• Strategize the effective sales strategies to mobilize iPay & merchant to the public and delight the customer demand in the digital era.
• Monitor iPay & merchant mobilization and providing good collaboration with relevant departments to strategize building good relationship individual customer, private and public sector then distribute iPay & merchant to targeted end-users.
• Manage senior merchant management officer and iPay sales officer to build good relationship with customers and presenting iPay & merchant to customers.
• Contribute the initiated marketing idea strategies to achieve sales targets of iPay & merchant and implementing best practices to meet customers’ needs and requirements.
• Support RMs and BMs to develop plan for iPay & merchant by monitoring the performance regularly to ensure the achievement of business goal.
• Strong ability to influence, sell concepts internally and actively drive streamlined decision making across partners. Build business cases around market opportunities and partnerships, including strategy development, market segmentation, competitive analysis, and financial analysis.
• Work with marketing team to create customer messages to communicate issues/upgrades involving systems to minimize negative customer service impact.
• Develop and report the iPay & merchant sales performance for management and branches to do analysis and follow up the performance and strategizing the sustainable growth, identify any risk happened and mitigation risk.
• Ensures the training to LOLC’s employees well understand of iPay & merchant sales management and also in aspect of courtesy, efficiency and risk management. Supervising staff, providing coaching and conduct performance review.
• Perform other tasks which assigned by Deputy Head of Deposit and Financial Services Department.

• Promoting the products and services of the bank to clients and public
• Collecting all client’s required documents for each product’s application including loan and deposit to ensure their eligibility for each type of products
• Communicating with clients to ensure their application is smoothly processed.
• Preparing clients’ application for getting approval
• Achieving monthly plan on each assigned product.
• Handling the daily activity and other tasks after completing clients ‘application.
• Providing good service and communication with the potential and existing clients
• Handling clients’ issues relating to the bank products and take a prompt action to solve the problem
• Handling other tasks assigned by Manager.

• Initiation of Chargeback, Re-presentment and report to line manager for any discrepancies.
• Perform the chargeback from all Issuing and Acquiring networks on daily basis to avoid any timeframe delays.
• Work with Card Schemes related to Dispute, Chargeback, Re-presentment, Arbitration, Pre-arbitration, Compliances to deliver based on the Payment network’s transaction life cycle.
• Solving all level escalated by the call center for all disputes transaction related to all Card Schemes.
• Perform day to day work related to customer dispute incoming and outgoing chargebacks related to all Card Schemes.
• Ensure all errors in the handling all the dispute and chargeback transactions. • Ensure to control and analysis the loss of the bank and customer from chargeback/disputes.
• Track and ensure timely processing of all the chargebacks life cycle.
• Prepare and submission of all the exhibits, reports and ensure compliance with bank policy for all transaction processing.
• Report immediately on any urgent cases which needs to be fixed to comply with bank operation or fulfill customer needs.
• Learn and Adapt to Operating Regulations set by each International Card Scheme.
• Other Tasks are assigned by Manager.

• Real time transaction monitoring and call follow up, inform and verify with cardholder for new transaction and suspicious transaction.
• Communication with card holder to provide them with preventive measures to protect the safety of using their card online to prevent any fraudulent activities.
• Identify and investigate the methods and processes used in fraudulent activities. Detect, prevent and control card related to fraud losses.
• Recommend to senior level any rules that help to prevent any fraudulent activities. Process card transactions and cancel authorization as requested by cardholder.
• Perform Card Operation Block, Unblock, Authorize, Cancel Authorize as requested by cardholder and if any fraud activities.
• Participate in system testing and evaluation to ensure system is working as expected and valued as it is. Monitor the related system connection to ensure system is working properly and alert to responsible
• people for their further actions.
• Provide weekly, monthly, quarterly and yearly report to senior level with recommendation. Other Tasks are assigned by Manager

• Develop and design new banking products based on the market trends. Set up policies and guidelines of the new developed products.
• Involve in testing SIT and UAT of new products.
• Keep the policies, procedures, guidelines and form of each product up to date Involve in products’ policies and guideline translation
• Work closely with vendors, management and regulatory authorities on the tasks relating to the bank products;
• Design and review operational forms to facilitate daily banking transactions for customer/branches; Prepare training materials and provide training to relevant staffs on products and services
• Work closely with other relevant departments, units and branches to ensure the readiness before implementing each business project
• Gather feedback and provide recommendation for improvement of the policy, guideline and workflow; Other tasks assigned by line manager;

• Assist company’s distribution and sales division in the preparation of credit contract and other relevant document to ensure credit offered to client is being documented properly in writing.
• Work with credit committee to establish related SLA for credit document preparation and manage daily workload to ensure the SLA is adhered to.
• Build and maintain strong and effective relationship with all other related departments and units to achieve company’s goal.
• Consolidate and produce accurate financial and non-financial credit conditions/covenant report in timely manner to credit committee as per the require schedule.
• Be the custodian for daily arrear/excess report and ensure tracking and escalation of irregularity is done on regular basis to the company’s credit committee.
• Perform internal credit auditing function on client’s folder (both physical and virtual), on credit contract, and on collateral to ensure proper documentation of client’s file, and safe keeping of both credit contract and collateral.
• Liaise with Finance Department on credit facility set up, and amendment to ensure no loopholes in credit administrative before facility is to be utilized by client.
• Liaise with company’s lawyer or external lawyer to ensure credit contract/document is executable in accordance with the law of the Kingdom of Cambodia.

• Preparing the monthly profit and loss, and balance sheet reports
• Preparing weekly cash flow statements, and controlling expenditure and cash flow
• Assisting with the preparation of year-end accounts and statutory accounts
• Responding to financial inquiries by gathering and interpreting data
• Monitor and report on accounting discrepancies
• Seek out method for minimizing financial risk to the company
• Provide insightful information and expectation to the management team to aid in long-term and short-term decision making
• Review financial data and prepare weekly, monthly and annual reports.
• Present financial reports to executives, investors and others in formal meetings when authorized.
• Stay up to date with technological advances and accounting software to be used for financial purposes.
• Establish, maintain and enforce fiscal and financial policies and procedures for the company.
• Understand and adhere to all financial rules, regulations and legislation of Government of Cambodia.

• To review and check all documents from sales consultant;
• To prepare customer check list, CBC check, First enrolment;
• To input customer’s information into system (DDE, prepare disbursal and agreement);
• To prepare disbursal documents (Repayment schedule, payment information and related documents);
• To make payment to dealer on time and manage documents filling;
• Properly check and make sure all customer’s document are completed before submitting to supervisor;
• To keep customer’s information in confidential safe and security (CBC reported, Business, Income, Customer’s personal document and working document);
• Ensure policy and guideline are compiled;
• Perform other tasks assigned by manager.

• Assist Supervisor or Senior Manager, Compliance in developing and updating policy, procedure and guidelines to make sure those tools are working properly and compliant with compliant requirements/law/prakas/regulations;
• Keep up to date with and inform staff and managers about changes in compliant prakas, law and regulations and integrate those changes into compliance tools and new business activities so that Amret remains compliant with mandatory requirements;
• Provide and/or refresh training and coaching on compliance policy and procedure so that they are properly understood and applied by all operators;
• Update the AML/CFT blacklist and ensure staff cross-check the names of new clients against the blacklist;
• Review business requirements and enhance report on cash transaction reports (CTR), suspicious transaction reports (STR), and other reports requested by regulators;
• Update high-risk businesses/occupations and countries listed by UN, EU, OFAC and other sources to all staff;
• Other AML/CFT projects required by NBC and other competent authorities;
• Review AML/CFT and implement know-your-customer (KYC) due diligence practices to make sure correspondent banks are not exposed to the threat of money laundering and terrorist financing;
• Regulatory monitor customer transactions and especially high-risk business customers and advise the staff to take corrective actions to prevent and detect potential risk with regard AML/CFT;
• Support business departments on validation of name matching and CN matching against Blacklist System;
• Support business department on validation of documents during customer on board to ensure that the staff perform effectively on KYC/CDD principle;
• Highlight business department on potential risk on ML/FT prior to lunch out new products/service; perform post testing after that new product/service has been implemented;
• Response to NBC accurately and timely on requested report such as information of customer, CTR, and STR, annually risk assessment on ML/FT report and others;
• Provide various training to the staff for new staff and existing staff and prepare training report in monthly basis;
• Manage the repository at HQ to ensure documents are available for authorized staff and managers.

• អនុវត្តន៍ និងចូលរួមអភិវឌ្ឍន៍ឲ្យទាន់សម័យជានិច្ចនូវគោលការណ៍ នីតិវិធី និងសេចក្តីណែនាំការងារឲ្យមានប្រសិទ្ធភាពខ្ពស់ ។
• ការងារផ្សព្វផ្សាយ
o ធ្វើការសិក្សាស្វែងយល់ និងវិភាគទីផ្សារក្នុងតំបន់ប្រតិបត្តិការឲ្យបានច្បាស់ ពីទីផ្សារគោលដៅ ដើម្បីលក់ផលិតផល-សេវាកម្ម របស់ ក្រុមហ៊ុន បានចំគោលដៅ ។
o ធ្វើការចុះផ្សព្វផ្សាយស្វែងរក ហាងដៃគូរសហការ និងចុះជួបដល់ ហាងដៃគូរសហការ ដែលមានស្រាប់ប្រចាំថ្ងៃ ។
o ជម្រុញការផ្សព្វផ្សាយនិង ការទំនាក់ទំនងល្អជាមួយ Key Person និង ហាងដៃគូរសហការ ។
o បង្កើត Group Chart ជាមួយ ហាងដៃគូរសហការ ដើម្បីងាយស្រួលក្នុងការសហការការងារប្រចាំថ្ងៃ។
o ត្រូវឆ្លើយតបទៅហាងសហការដៃគូរ អោយបានរហស័ទាន់ពេល រាល់ពេលហាងសហការ ទំលាក់អតិថិជនមកឲ ឬ ពេលមានការសាកសួរផ្សេងៗ។
o មន្ត្រីឥណទានត្រូវមាន សៀវភៅ បញ្ជីឈ្មោះ និង លេខទូរសព្ទ័ ហាងសហការដៃគូរ បានច្បាស់លាស់។
o មន្ត្រីឥណទានត្រូវមាន សៀវភភៅ បញ្ជីឈ្មោះ និង លេខទូរសព្ទ័ អង្កការដៃគូរ រោងចក្រ សហគ្រាស បានច្បាស់លាស់។
o មន្ត្រីឥណទានត្រូវ ស្វែងរក Key Person សហការដៃគូរ តាមបណ្តា មិត្តភក្រ័ អង្កការដៃគូរ និង ក្រុមហ៊ុន។
o ការងារបញ្ចេញឥណទាន
o ចុះជួបអតិថិជន និង រៀបចំឯកសាកំម្ចី ជួនអតិថិជន អោយបានរហស័ទាន់ពេល នៅពេលមានការស្មើកំម្ចី។
o សិក្សាស្រាវជ្រាវឲ្យបានត្រឹមត្រូវ ច្បាស់លាស់ គ្រប់គ្រាន់ ទាក់ទងនឹងប្រវត្តិអត្តចរិត មុខរបរ ចំណូល-ចំនាយ គណនារកលទ្ធភាពសងរបស់អតិថិជន នៅមុនពេលធ្វើការ ផ្តល់ឥណទាន ។
o ត្រួតពិនិត្យឯកសារឥណទាន ឲ្យបានត្រឹមត្រូវច្បាស់លាស់ និងគ្រប់គ្រាន់ ស្របតាមគោលការណ៍ និងនីតិវិធីឥណទាន របស់ក្រុមហ៊ុន។
o ធ្វើការបញ្ចេញឥណទាន ឲ្យសម្រេចបានតាមផែនការកំណត់ ដែលថ្នាក់គ្រប់គ្រងដាក់ឲ្យអនុវត្តន៍ ទាំងចំនួនអតិថិជន បរិមាណនៃការបញ្ចេញឥណទាន គុណភាពនៃឥណទាន ។
o ពន្យល់អប់រំអ្នកខ្ចី អ្នករួមខ្ចី អំពីគោលការណ៍ នីតិវិធី លក្ខខណ្ឌតម្រូវការចាំបាច់សម្រាប់ការខ្ចីឥណទាន ការបណ្តុះវិន័យឥណទានជាដើម ។
o រៀបចំបញ្ចេញឥណទាន ជូនអតិថិជន ដោយផ្ទៀងផ្ទាត់ស្នាមមេដៃឡើងវិញ រួមទាំងឯកសារចាំបាច់ដែលទទួល ឲ្យបាន ត្រឹមត្រូវ ច្បាស់លាស់ និងគ្រប់គ្រាន់ ។
o ការប្រមូលឥណទាន
o ត្រួតពិនិត្យជាប្រចាំថ្ងៃ នូវបញ្ជីសងប្រាក់ និង បញ្ជីខកខានសងប្រាក់របស់អតិថិជន ធ្វើការតាមដាន និងចុះដល់ទីកន្លែងរស់នៅ ឬទីកន្លែងប្រកបអាជីវកម្មរបស់អតិថិជន ដើម្បីប្រមូល ឬដោះស្រាយឥណទាន ឲ្យបានទាន់ពេលវេលាជៀសវាងបំណុលក្លាយជាបំណុលធ្ងន់ធ្ងរ ដែលពិបាកក្នុងការដោះស្រាយ ។
o ពន្យល់អតិថិជនពីរបៀបបង់សងប្រាក់ អាចអនុវត្តន៍បានការិយាល័យរបស់ក្រុមហ៊ុនឬតាមកភ្ញាក់ងារផ្ទេរប្រាក់ ឬតាមរយៈមន្ត្រី ទទួលខុសត្រូវ ដោយអនុវត្តឲ្យបានខ្ជាប់ខ្ជួន តាមគោលការណ៍ និងនីតិវិធី ក្នុងករណីលើសពីរង្វង់ការងារទទួលខុសត្រូវ ត្រូវស្នើសុំការអនុញ្ញាតពីថា្នក់គ្រប់គ្រង ។
o ការដោះស្រាយបំណុល
o ចុះដោះស្រាយរាល់បំណុលអតិថិជន ដែលខកខានសងប្រាក់ឲ្យបានគ្រប់គ្រាន់ទៅតាមផែនការ ឬអ្នកគ្រប់គ្រងអាចទទួលយកបាន និងចាត់ចែងចុះដោះស្រាយបំណុលត្រូវប្រើឲ្យអស់លទ្ធភាព ដោយអនុវត្តន៍តាមគោលការណ៍ និងនីតិវិធីរបស់ក្រុមហ៊ុន។
o ត្រូវធ្វើរបាយការណ៏ ចុះដោះស្រាយ អតិថិជន យឺតយ៉ាវធំជាង ៣០ ថ្ងៃ ដាក់ជូននាយកនាយកដ្ឋានឥណទាន និង ទីផ្សារពិនិត្យ ប្រចាំថ្ងៃ។
o ត្រូវបំពេញ ផែនការ សកម្មភាពប្រចាំថ្ងៃ ពេលព្រឹក ដាក់ជូននាយកនាយកដ្ឋានឥណទាន និង ទីផ្សារពិនិត្យ។
o ត្រួតពិនិត្យខ្លួនឯងនូវរាល់ភាពអសកម្មការងារ ដើម្បីធ្វើការកែលម្អ និងបំពេញចំណុចខ្វះខាត ឲ្យបានទាន់ពេល ដើម្បីអនុវត្តន៍ការងារមានប្រសិទ្ធភាព ។
o ទទួលខុសត្រូវដោះស្រាយរាល់បញ្ហាដែលកើតមានក្នុងរង្វង់តួនាទី ករណីដែលមិនអាចដោះស្រាយបាន ត្រូវរាយការណ៍ជូនអ្នកគ្រប់គ្រងផ្ទាល់ ។
o រក្សាបាននូវទំនាក់ទំនងល្អប្រសើរជានិច្ច ជាមួយផ្នែកដែលពាក់ព័ន្ធទាំងខាងក្នុង និងខាងក្រៅ ដើម្បីធ្វើឲ្យការងារប្រព្រឹត្តទៅដោយរលូន ។
o ទទួលខុសត្រូវធ្វើកិច្ចការផ្សេងៗទៀត តាមការចាត់តាំង ឬតាមតម្រូវការរបស់អ្នកគ្រប់គ្រងផ្ទាល់ ក្នុងសមត្ថកិច្ចតួនាទី ៕