Direct Contract- Clearing Operations

Job Summary 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. 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

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 Purp