Officer, Payment Operations

Key Responsibilities

1. Transaction Processing

• Perform first-level checks and process transactions as a Maker in relevant systems (Flex, ICCS, EDMS).

• Handle cheque clearing, payroll, PDC, and CMU transactions received from branches and business units.

• Verify customer signatures, documentation, and technical details before processing.

• Ensure compliance with Central Bank guidelines on cheque security features.

• Post customer transactions in the Flex system and ensure timely completion within SLAs.

2. Cheque & PDC Management

• Receive, check, and acknowledge cheques, payroll, and collection requests via mail/courier.

• Warehouse and retrieve PDC cheques date-wise; reconcile against system reports.

• Handle outward and inward clearing, verify reconciliations, and balance accounts daily.

• Process discarded or returned cheques, prepare return memos, and dispatch to parent branches or delivery centers.

• Scan and archive PDC/CMU/FTC documents in ICCS and EDMS.

• Reconcile CCDM cheques and pack amount-wise for archival.

3. Document Control & Archival

• File and send all processed documents to CORD for archival.

• Scan and create work items for customer FAX applications, SWIFT messages, Pay Orders, Standing Orders, DDs, and amendments in EDMS.

• Monitor FAX printers and ensure proper routing to the respective processing unit.

• Maintain accurate tracking records (Excel logs, mail schedules, and reconciliation reports).

4. Reconciliation & Reporting

• Generate daily and periodic reports for reconciliation of:

  • PDC cheques

  • FTC documents

  • Pay Orders (PO), Demand Drafts (DD), and Bank Guarantees

• Ensure all records are balanced and discrepancies resolved promptly.

• Support general mail enquiries, returns, and branch communications.

5. Operational Excellence & Improvement

• Ensure all transactions are processed within agreed turnaround times (TATs).

• Coordinate closely with business groups and internal departments for issue resolution.

• Recommend process and system improvements to enhance efficiency and SLA adherence.

• Propose training needs for self and team members to strengthen operational skills.

• Maintain completeness and accuracy of all received instructions and documentation.

Skills & Competencies

Technical Skills

• Strong understanding of clearing, collections, remittances, PDC, and cash management operations.

• Familiarity with Flexcube (Flex), ICCS, EDMS, and CORD systems.

• Knowledge of UAE Central Bank cheque regulations and general banking procedures.

• Excellent reconciliation and reporting accuracy.

Soft Skills

• Excellent verbal and written communication.

• Strong interpersonal skills and ability to coordinate across departments.

• High attention to detail and process discipline.

• Ability to work under pressure and meet deadlines.

• Proactive approach with a mindset for continuous improvement.