Bank teller job description. An operator-cashier is a wonderful profession in the banking sector. What does an operator do in a bank

Job description of a bank teller

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CEO
Surname I.O. ________________
"________"_____________ ____ G.

1. General Provisions

1.1. A bank teller belongs to the category of technical specialists.
1.2. Appointment to the position of a bank teller and dismissal from it is carried out by order of the bank manager.
1.3. The cashier-operator of the bank reports directly to the head of the shift or the head of the department.
1.4. During the absence of the cashier-operator of the bank, his rights and obligations are transferred to another official, who acquires the relevant rights and is responsible for the proper performance of the duties assigned to him.
1.5. A person who has primary professional education without presenting requirements for work experience or secondary (complete) general education and special training according to an established program without presenting requirements for work experience is appointed to the position of a bank teller-operator.
1.6. The bank teller must know:
- regulatory legal acts, regulations, instructions, other guidance materials and documents on conducting cash transactions;
- forms of cash and bank documents;
- rules for acceptance, issuance, accounting and storage of funds and securities;
- the procedure for processing incoming and outgoing documents;
- limits on cash balances established for the enterprise, rules for ensuring their safety;
- the procedure for maintaining a cash book, compiling cash statements;
- basics of labor organization;
- rules for the operation of computer technology;
- Fundamentals of labor legislation;
- internal labor regulations;
- Rules and norms of labor protection.
1.7. The cashier-operator of the bank is guided in his activities by:
- legislative acts of the Russian Federation;
- the charter of the bank, internal labor regulations, other regulatory acts of the bank;
- orders and directives of the management;
- this job description.

2. Functional duties of a bank teller

The bank teller performs the following duties:

2.1. Carries out operations for the receipt, accounting, issuance and storage of funds and securities with the obligatory observance of the rules ensuring their safety.
2.2. Serves clients on accounts, deposits, transfers, bank cards.
2.3. Conducts foreign exchange transactions.
2.4. Carries out settlements with clients, sale of banking products.
2.5. Maintains a cash book on the basis of income and expenditure documents, checks the actual availability of cash and securities with the book balance.
2.6. Makes inventories of old banknotes, as well as relevant documents in order to replace them with new ones.
2.7. Prepares cash reports.

3. Rights of a bank teller

The bank teller has the right to:

3.1. Get acquainted with the draft decisions of the bank's management regarding its activities.
3.2. Submit proposals for improvement of the work related to the responsibilities provided for in this instruction for consideration by the management.
3.3. Within the limits of its competence, inform the immediate supervisor of all shortcomings identified in the course of activities and make proposals for their elimination.
3.4. Receive from structural divisions and specialists information and documents necessary for the performance of his duties.
3.5. Require the management of the institution to assist in the performance of their duties and rights.

4. Responsibility of the cashier-operator of the bank

The bank teller is responsible for:

4.1. Failure to perform or improper performance of their official duties provided for by this job description - within the limits determined by the current labor legislation of the Russian Federation.
4.2. Causing material damage to the employer - within the limits determined by the current labor and civil legislation of the Russian Federation.
4.3. Offenses committed in the course of carrying out their activities - within the limits determined by the current administrative, criminal, civil legislation of the Russian Federation.

cashier-operator is the face of the bank. His responsibilities include communicating with clients, monitoring the status of accounts, making changes to the database when receiving and withdrawing money. The profession is suitable for those who have no interest in school subjects (see choosing a profession for interest in school subjects).

Features of the profession

The bank teller checks:

• the possibility of transferring or issuing funds from a current account;
• monetary settlement documents in terms of the legality of transactions;
• correct execution of checks, payment orders, announcements and other documents;
• the presence of authenticity of signatures in the receipt of money and valuables.

In addition, the bank operator maintains cards of collection documents, calculates penalties and interest, writes off collection documents from the relevant personal accounts, and participates in quarterly checks.

Pros and cons of the profession

pros

• Constant demand in the labor market.

Minuses

• Big burden of responsibility
• considerable psychological stress arising from constant work with people
• work on a tight schedule

Place of work

• Banking structures

Salary

Salary as of 03/17/2020

Russia 18000—37000 ₽

Moscow 40000—50000 ₽

Important qualities

Stress resistance, responsibility, tact, attentiveness and quick response are the main qualities of a cashier. Regardless of the situation - the influx of customers, the end of the working day or the collapse of the market - the cashier-operator must remain calm, calm and focused.

Additional requirements: knowledge of regulatory documents of the Central Bank of the Russian Federation on cash activities; competent oral speech; knowledge of the standard MS Office package and special programs; planning skills.

Bank teller training

Career steps and prospects

The position of a cashier-operator is the first step in a successful banking career: many of those who today occupy serious positions in financial structures began as a cashier. Purposeful young specialists after a year or two of successful work go on promotion, enter the university and become shift supervisors, heads of departments and departments.

Portrait of a modern cashier:

Practice shows that women become the best cashiers. They quickly find a common language with clients, have remarkable patience and special flexibility in conversation. Not every man is capable of such miracles of diplomacy. Women are more attentive to details and know how to better organize work in a team, which is very important. This is probably why 80% of cashiers-operators of bank branches are women.

A cashier-operator is a person who works in a bank or in the postal system, in stores. The functional duties of the operator are associated with the presence of liability.

Preparing those who want to work as cashiers

Of course, working at the cash desk does not require fundamental knowledge at the level of higher education. Now profile skills are provided by cashier-operator courses and vocational schools, the program of which provides for the training of cashiers.

What does the training of an employee working with money include? Firstly, graduates must know mathematics well, namely, be able to quickly perform basic mathematical operations (multiplication, division, subtraction, summation) in their minds or on a calculator. For this profession, communication skills with people are also important, namely sociability, politeness, and a developed vocabulary.

In addition to all this, probably, the main task of the educational institution is to convey to the student (course student) the basics of accounting, the nomenclature of accounts, etc. The cashier-operator must be able to work with cash in a quality manner (correctly count, pack, identify counterfeit banknotes) . The training of a professional cashier cannot last a week or two, as is done in some banks during an internship. The optimal period for learning basic skills is several months.

What does a cashier do?

Many people think that working with money is very simple. These people are wrong, because such work, especially in an intensive mode (for example, as in modern grocery supermarkets) is hard work that should be well paid.

The duties of a cashier-operator are approved in the Standard Job Instructions. First, let's look at what a bank teller does. Probably, most often he accepts various payments (communal, budgetary, addressed to legal entities). In addition, the functions of a bank employee for working with money include:

• work with the POS-terminal (withdrawal and replenishment of funds on bank cards of clients);
• currency purchase and sale operations (dollars, euros and other foreign monetary units);
• acceptance and payment of money transfers in national and foreign currencies;
• opening and maintenance of deposits, current accounts, etc.;
• work with old banknotes;
• work with software systems and reporting, cash register.

Responsibilities of a cashier-operator in a supermarket and pawnshop

Is money management hard or easy? Probably, every novice cashier does not even imagine how responsibly one should treat the performance of one's duties. In each industry, the work of a "cashier-operator" has its own specifics. It will be difficult for a person who worked at the checkout in a banking institution to get used to working at the supermarket checkout. Let's analyze the functionality of a supermarket cashier. From the point of view of an ordinary client - nothing complicated. Well, it's really not that simple. A supermarket employee must know customer service standards; requirements for additional packaging of various types of goods at the checkout; clearly understand the software complex of the store.

When a customer approaches the checkout, the teller usually scans all the items by barcode. But even here there are exceptions, because, for example, the store’s own pastries are not packed. Customers take a pie or some other product, put it in a special bag and often do it wrong. The cashier should check everything.

The duties of a cashier-operator in a pawnshop are generally specific due to the level of responsibility. The fact is that unscrupulous customers can bring a fake instead of gold. The employee must, with the help of special knowledge and observation, identify this. In addition, the pawnshop is able to work with special scales and determine the metal sample without any marking.

Job "cashier-operator": how to find vacancies and get a job?

Finding any job is difficult, especially if a person does not have a wide circle of acquaintances. The most basic place where those who want to find a job apply is the state employment center. Cashier vacancies are usually found often, because a lot of shops, bank branches, etc. are opening now. The bulk of employers are looking for labor through employment centers, because the state body will always send a person for an interview who meets all the basic qualification requirements for the profession .

In addition, many people read job sites on the Internet and purchase special thematic newspapers, which also publish job vacancies for employers.

What details are important to an employer?

For many employers, it doesn’t really matter what a person graduated from: a vocational school, courses for a cashier-operator, or received a profession in general from a completely different industry. Employers who are thinking about the future development of their company will definitely pay attention to a self-confident, competent person who has experience working with people and has developed the ability to sell products and offer something extra to the client.

A professional is not the employee who memorized the work algorithm, but the person who loves and knows how to develop. The duties of a cashier-operator, of course, can be performed by anyone who has completed courses, but not everyone is destined to become a successful cashier.

Job description of a bank accountant[name, legal form of the bank]

This job description has been developed and approved in accordance with the provisions and other regulations governing labor relations in the Russian Federation.

1. General Provisions

1.1. The accountant-operator of the bank belongs to the category of specialists.

1.2. The accountant-operator of the bank is appointed to the position and dismissed from it by order [the position of the head of the bank] on the proposal of the [head of the structural unit; another official].

1.3. A person who has a secondary (complete) general education and special training in accordance with the established program for each type of banking operations carried out by him, work experience in a credit institution of at least [value] years is appointed to the position of an accountant-operator of a bank.

1.4. The accountant-operator of the bank is guided in his work by the legislation of the Russian Federation, regulatory documents governing banking activities in the Russian Federation, including: the Civil Code of the Russian Federation, Federal Law of July 10, 2002 N 86-FZ "On the Central Bank of the Russian Federation (Bank of Russia) , Regulation of the Central Bank of April 24, 2008 N 318-P "On the procedure for conducting cash transactions and the rules of storage, transportation and collection of banknotes and coins of the Bank of Russia in credit institutions in the Russian Federation", Regulation of the Central Bank of 03.10.2002 N 2 -P "On non-cash payments", Regulations of the Central Bank of March 26, 2007 N 302-P "Rules for maintaining accounting in credit institutions located on the territory of the Russian Federation", other regulatory legal acts, instructions and methodological recommendations related to the activities of credit organizations.

1.5. The accountant-operator of the bank must know:

Procedure for registration and forms of bank documents;

Rules for accepting, issuing, recording and storing cash, securities and other valuables;

Rules of accounting in credit institutions;

Cash balance limits set for bank customers;

Rules for the operation of electronic computing equipment;

Fundamentals of labor organization;

Fundamentals of labor legislation;

Internal labor regulations;

Rules and norms of labor protection, safety and fire protection.

1.6. An accountant-operator must have the skills to work with a personal computer, with specialized programs, information and reference systems.

1.7. The accountant-operator must have, along with professional knowledge, skills and abilities, the following moral qualities: a sense of responsibility, discipline, accuracy, attention. When working with bank customers, an accountant-operator must be polite and tactful.

1.8. The accountant-operator of the bank reports directly to [the head of the structural unit; another official].

1.9. The accountant-operator is subordinate to [name of positions of bank specialists, for example, cashier of the foreign exchange office, etc.].

1.10. During the absence of the accountant-operator of the bank (illness, vacation, business trip, etc.), his duties are performed by a person appointed in the prescribed manner, who is fully responsible for their proper performance.

2. Functions

2.1. The following functions are assigned to the accountant-operator of the bank:

Prompt and high-quality settlement and cash services for clients - legal entities;

Direct execution of banking operations on non-cash settlements of clients - legal entities.

3. Job responsibilities

3.1. To perform the functions assigned to him, the accountant-operator performs the following duties:

Acceptance of payment orders from clients, checking the compliance of the details, the completeness and correctness of their execution, compliance with the requirements established by the Regulations on non-cash payments in the Russian Federation. At the same time, the main areas of control of payment documents are: checking the numbers of correspondent accounts, MFOs and codes of commercial banks and cash settlement centers entered in payment documents in accordance with the classifier, correspondence of the seal and signatures with the signature sample card, correspondence of the signature with the signature sample on the plastic card , compliance of the specified account of the Client with the account in the Bank's system, the absence of corrections and additions in the executed documents, the presence in the appropriate column of the date of receipt of the goods or preliminary terms of payment, etc.;

Preparation of payment orders for clients;

Formation of extracts on ruble and currency accounts of clients and a selection of applications necessary for them;

Maintaining a file cabinet, carrying out operations to debit funds from clients' accounts on the basis of executed documents, other requirements and instructions of clients, subject to the order of debiting funds from clients' accounts in accordance with Art. 855 of the Civil Code of the Russian Federation, as well as compliance with the deadlines for the issuance of wages, the transfer of taxes and charges to the payroll;

Carries out accounting entries for these operations and pays them on the current day;

Issuance of cash by check;

Preparation of documents for the receipt of cash at the bank's cash desk;

Issuance of checkbooks;

Issuance of certificates and duplicate documents at the request of the client;

Sorting bank documents for the archive;

Write-off of commission payments for settlement and cash services of clients during the operational day (for example: commission payments for the preparation of payment orders, cash withdrawal by check, cash deposit to a current account, currency control, transfer of foreign currency payments and payments in the currency of the Russian Federation, issuance of certificates clients, issuing checkbooks, etc.);

Consultations and prompt resolution of emerging issues of customers and banks;

Preparation of certificates of various content (for example: on available funds, on opening an account, on customs, on turnover, etc.) and issuing duplicate documents at the request of the client;

Collection of funds (execution of an incoming cash order, write-off of commission, posting through transit accounts);

Preparation of inquiries on issues arising in the course of the activities of the structural unit of the bank, as well as preparation of responses to inquiries from other banks;

Confirmation of current account balances;

Checking the cash discipline of clients.

4. Rights

4.1. The accountant-operator of the bank has the right:

For all social guarantees provided for by law;

Require the management of the bank to assist in the performance of their duties and the exercise of rights;

Require the creation of conditions for the performance of official duties, including the provision of the necessary equipment, technical means, etc.;

Get acquainted with the draft decisions of the bank's management regarding its activities;

Submit proposals for the management of the bank to improve the organization and improve the methods of work performed by it;

Request personally or on behalf of the immediate supervisor the documents necessary for the performance of their duties;

Improve your professional qualifications.

5. Responsibility

The bank accountant is responsible for:

For failure to perform or improper performance of their official duties provided for by this job description - within the limits determined by the current labor legislation of the Russian Federation;

For causing material damage - within the limits determined by the current labor and civil legislation of the Russian Federation;

For offenses committed in the course of carrying out their activities - within the limits determined by the current administrative, criminal, civil legislation of the Russian Federation.

The job description was developed in accordance with [name, number and date of the document].

Head of structural unit

[signature] [initials, surname]

[day month Year]

Agreed:

Head of the legal department

[signature] [initials, surname]

[day month Year]

Familiarized with the instructions:

[signature] [initials, surname]

[day month Year]

What are the main functions and duties of a cashier? This is a specialist whose main task is to conduct cash transactions with plastic bank cards. It accepts and issues cash, securities, electronic money. Without cashiers, it is now simply impossible to imagine the work of trading companies, banking structures, transport companies and other institutions.

A bit of history

The beginning of the cashier's profession was laid by treasurers and clerks, who described and distributed the property seized by the troops. Cashiers, as we imagine them now, appeared in the 19th century, when the Ritty brothers, Americans, invented the prototype of the modern cash register. Since then, of course, much has changed, and now the job of a cashier rarely consists only in receiving and issuing money. Most often in modern companies, the position of a cashier is combined with the position of an accountant, teller, controller, bank employee. The requirements for such financial specialists are different. The general requirement is increased attentiveness, because their work is connected with money.

Job Responsibilities of a Cashier

For example, there is such a position as a cashier-operator. This is such an employee who, in fact, is the face of the bank, because it is he who is the first to be seen by customers.

Cashier-operator conducts transactions with customer deposits. The list of what a bank teller should do is quite extensive:

In addition, some banks may impose additional requirements. Job responsibilities of a cashier in a bank may include knowledge of foreign languages, the presence of specialized education, knowledge of the orders of the Bank of Russia. Much depends on the specifics of the bank. The cashier can maintain, open and close deposits of both individuals and legal entities, execute money transfers, verify the authenticity of the signature and the correctness of the execution of documents, and maintain daily documentation. If the cashier conducts transactions with foreign currency, the employer will require the employee to have a certificate of a foreign exchange cashier.

Bank teller. Pros and cons of work

Of course, being a bank teller is quite prestigious. For some, the very fact of working in a bank gives a feeling of confidence. For others, such a job is just the first step in starting a fast-paced, ambitious career. After all, history knows a huge number of examples when the most famous bankers and financiers began to rise up the career ladder precisely from the position of a cashier. But despite the fact that being a bank teller is an honor, such work has a number of disadvantages. Cashiers bear a great responsibility for the safety of funds, including material ones. At the workplace - constant rush jobs, tight schedule, large amount of work, high workload, negative psychological background. There is also the risk of a raid by robbers, which should not be forgotten.

Responsibilities of a cashier in a store

In other organizations, the job description of a cashier looks a little different. For example, a cashier in a store combines the functions of a cashier and a salesperson. It also requires maximum attention. But, in addition to this, the employer will require him to have knowledge of a computer, office programs, 1C, cash discipline, and the procedure for processing cash documents. Although experience is often not required, cashier skills will only be a plus. In general, the main job responsibilities of a cashier in a store are as follows:

To get a job in a trading company as a cashier, it is enough to take specialized courses to obtain the necessary skills. It is not necessary to graduate from a specialized university. But if the employee's arsenal includes the specialties "Economics and Accounting", "Finance and Credit", "Banking", "Commodity Research and Examination of the Quality of Consumer Goods", he can apply for the position of a cashier.

Senior cashier. His job responsibilities

There are a lot of cashiers in large retail grocery stores or household appliances stores. In shopping centers there is such a position as a senior cashier. His job responsibilities are to organize the work of other cashiers. He does the following:

Clean water cashier

In the understanding of the majority, the "classic" position of a cashier is a cashier-controller. He is engaged in cash settlements with buyers, sells and issues subscriptions and tickets. The work of such a specialist is not always carried out in a certain place; controllers with a portable cash register may accept payment for services from the population, for example, for electricity and other utility bills.

Job responsibilities of the controller-cashier - to determine or calculate the appropriate fee, accept cash, issue a check. Cashiers are financially responsible people, so they will be responsible for every mistake with a fine from their salary.

Cashier - a female profession?

The profession of a cashier is considered quite common, and it is believed that it is most suitable for women. Maybe because the profession is rather monotonous and monotonous? Cashiers are often the face of the company, because it is they who meet and see off guests, and women are better at being friendly. Be that as it may, both men and women, with their pleasant appearance and goodwill, are able to create a favorable impression of the company. Therefore, when choosing for this position, employers will give preference to a sociable person.