Job Summary

The role involves supporting day-to-day cheque clearing and payment processing activities in a timely and accurate manner. The selected candidate will help review cheque details, prepare transaction files, scan physical cheques, maintain records, and support settlement and reconciliation activities. The role also includes assisting with digital payment transaction reports, customer requests, document filing, and follow-up on pending items. The candidate will be expected to respond to routine queries, follow internal procedures, and maintain accuracy while handling operational tasks. This position is suitable for fresh candidates who are detail-oriented, willing to learn banking operations, and able to work responsibly within defined service standards

Key Responsibilities

Clearing Activities Maker Level

Electronic Cheque Clearing (ECC) outward physical cheque return
•    First return advice from Electronic Cheque Clearing gets printed in hardcopy as return memo.
•    Returned physical cheques are attached to each memo and prepare file for upload in bank's system.
•    Dispatch return cheques to relevant branches
•    Returned cheque acknowledgement follow-up/ tracking.

Electronic Cheque Clearing Inward
•    Checking technicality of inward cheque (NPR/USD/EUR/GBP)
•    Use bank's system to process the cheque.
•    Prepare batches manually to upload in bank's system.
•    Perform (exceptional) reversal transactions via back office. Exceptional such insufficient fund/cheque ranges/cross (Foreign Currency) cheque/returns/ debit-credit returns etc.
•    High value cheque, risks, and error referrals to respective Relationship Managers
•    Call back referrals to the clients and Relationship Managers.
•    Perform reconciliations

INR (Indian Rupees) draft
•    INR draft technicality check
•    Perform checks in bank's system (with validity and reference number)
•    Post back-office entries in bank's system for INR drafts.

Inward cheque return charge for cheque returned with the reason” Insufficient fund”. ECC outward settlement
•    Run appropriate tranactions for risk checking of all currency.
•    Create necessary batches in bank's system and give to checker for authorization.
•    Prepare inward and outward return reporting
•    Prepare inward and outward balancing (accepted cheque amount) currency wise.
•    Prepare presentment fees file and  upload in bank's system

Outward/physical cheques
•    Scan outward physical cheques
•    Check for risk and referrals.
•    Reconcile outward cheques

Nepal Pay QR
•    Download file for the day of QR transactions from IPS Connect- Bank Central
•    There are 10 sessions from Sundays- Thursdays and 6 Sessions on Fridays. Transactions of last session from previous day till 9th session of present day to be extracted
•    Prepare upload file with all the successful transactions in the report.
•    Upload file in bank's system

Others
•    Follow up for non-settled/outstanding balance in bank's system
•    Manage scanned cheques and documents for archival.
•    Manage IPS request via bank's online banking platform.
•    Manage Late Return Settlement
•    Retrieval request from Nepal Clearing House Limited (NCHL) (chargeable or non-chargeable).
•    Handle queries/complaint from different channels.
•    Update signature/stamp in bank's system.
•    Activate suspended CIPS ID of the customer to be activated in IPS Connect- Bank Central after receiving customer instruction and maintain MIS.

Processing Standards
•    Ensure that processing capabilities are geared up to achieve accuracy as per the service level standards and strive to exceed the standards focusing on superior service.

Operational efficiency
•    Ensure that the personnel of the unit are adhering to the procedures set in the operating manuals in order to achieve optimum efficiency in the conduct of their jobs. Handle exceptions from the norms and initiate corrective and preventive actions 

Inhouse Service Standards
•    Ensure that all queries related to routine activities are responded to within the time frames pre specified.

Escalation
•    Keep Supervisors and Function head advised of the exceptional occurrences, to enable appropriate action.

Compliance
•    Ensure that all laid down procedures, central bank regulation and key control standards are adequately followed.

Reporting
•    Keep respective Supervisor and Funcion head advised of the regular operations of the unit.

CDD and Anti Money Laundering
•    Ensure timely understanding and compliance with all the applicable regulations of the bank, group and country including money laundering prevention and Client Due Diligence.

Out Serve
•    Embed a customer service culture through the departments out serve initiatives and participation in countries out serve initiatives.

Adhoc responsibilities
•    Carry out any special tasks or projects that may be required from time to time as assigned by Checkers, Function had, procedure manual including Credit Operating manual and following all the necessary regulations and guidelines.

Health and safety
•    Responsible for the health and safety aspects within your area of control. 
•    Ensure that team members are adequately trained and supervised to perform their tasks in a safe manner.
•    Ensure that team members are free to rise, and health and safety issues and these issues are addressed appropriately. 
•    Ensure that the contractors working in own area or working for the teamwork in a safe & healthy manner.
•    Take reasonable care for the health and safety of co-workers and those who may be affected by own actions or omissions.

•    Cooperates with management to support and promote health and safety in the workplace. 
•    Ensure that own actions do not put others at risk. 
•    Work in a healthy and safe manner.
•    Encourage others to work in a healthy and safe manner.
•    Report all accidents and incidents and 
•    Bring to the attention of the management any hazard in the workplace.

Strategy
•    To align role and delivery as per Weamth and Retail Banking strategy. 

Business
•    Wealth and Retail Banking, Nepal 

Processes
•    Banking Operations Control Register, Job Related Local Regulatory processes.   

People & Talent 
•    Lead through example and build the appropriate culture and values.  Set appropriate tone and expectations from their team and work in collaboration with risk and control partners 

Risk Management
•    Execution responsibility for identifying, assessing, monitoring, controlling, and mitigating financial crime risk, sanctions risk and reputational risks to the Group. Also, an awareness and understanding of the main risks facing the Group and the role the individual plays in managing them. 

Governance 
•    Ensure the relevant processes are followed as per Group and Local requirement. 

Regulatory & Business Conduct 
•    Display exemplary conduct and live by the Group’s Values and Code of Conduct. 
•    Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
•    Lead to achieve the outcomes set out in the Bank’s Conduct Principles 
•    Effectively and collaboratively identify, escalate, mitigate, and resolve risk, conduct and compliance matters.

Key Stakeholders
•    Branch Managers, Branch Staffs, Relationship Managers, Client Care Centre, Client Experience.

Skills and Experience

• Basic computer skills, including the ability to use common office applications for preparing documents, reports, and records.
• Good communication skills with the ability to work well with team members and respond clearly to routine queries.
• Willingness to learn banking operations, internal procedures, and regulatory requirements related to payment and cheque processing.
• Ability to work accurately, stay organised, and manage multiple tasks within given timelines.
• Positive attitude, adaptability, and readiness to take initiative in day-to-day operational work.
• Ability to work under pressure while maintaining attention to detail and following instructions carefully.
• Problem-solving mindset with a focus on improving work processes and supporting smooth service delivery.

Qualifications

•    Bachelor’s degree complete in management with some knowledge of accounting, MIS, and documentation. 
•    Analytical strength – to spot emerging risks, in particular forward-looking industry trends. 
•    Gravitas and communication – to engage with Relationship Managers, Clients and Management alike have the ability to challenge in a constructive manner. 
•    Collaborative – to work in partnership with stakeholders to ‘get things done’, fulfilling the Job Purpose.

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

• Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

• Core bank funding for retirement savings, medical and life insurance.
• Time-off including annual leave, parental/maternity (20 weeks) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.
• Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits
• A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.
• Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.