o Compliance can be defined as the adherence to laws, regulations, rules, related self-regulatory organization standards and codes of conduct in matters concerning, observing proper standards of market conduct, managing conflicts of interest and especially dealing with matters such as prevention of money laundering and terrorist financing, and investigations of alleged corruption and fraudulent behavior.
o Compliance is an integral part of the Bank’s business activities.
o Tasks:
o Assist to develop, update and monitor policy, guideline and procedure on Anti-Money Laundering and Combating the Financing of Terrorism (AML/CFT).
o Assist to provide knowledge on AML/CFT compliance to related departments and all branches. Conduct an effective AML/CFT screening program to the Bank’s clients.
o Provide technical support and control AML/CFT compliance of the Bank.
o Review and monitor the effectiveness of AML/CFT of the products and services within the Bank.
o Lead, oversee and update daily the Bank’s Blacklist which derive from National Bank of Cambodia (NBC) and independent research into the U.S. Department of The Treasury (Office of Foreign Assets Control) and/or other necessary sources.
o Lead, oversea, and develop the preparation of daily cash transaction report with the Bank correctly as determined by the NBC and report to Cambodia Financial Intelligence Unit (CAFIU) accurately, properly, and timely.
o Lead, oversee, and receive all suspicious transactions reporting which may be concerned with money laundering and the financing of terrorism within the Bank.
o Assist to prepare report of Undertaking Risk Assessment on Money Laundering and Terrorist Financing within the Bank once every two years and report to CAFIU.
o Assist to prepare FATCA Report to Internal Revenue Service (IRS) through General Department of Taxation (GDT) once a year.
o Assist to prepare regular Compliance Report for Risk Management Committee (RMC).
o Assist to lead in developing AML/CFT training programs to ensure compliance requirement are properly applied by all staff.
o Lead and oversee on record keeping Know Your Customer (KYC), Customer Due Diligence (CDD), and Enhanced Customer Due Diligence (ECDD).
o Assist to review and confirm the proper agreements with external parties before submitting to approval authority.
o Lead, oversee and spot-check on the sufficiency of documents on loan files required by the guideline and procedure, ensure the documents retained at the Bank are able to support any need and to be legally used.
o Review transactions in connection with compliance such as new deposit openings, remittances if any, and make a proper report of status and discrepancies, if any.
o Lead and oversee to produce and check new reports for any new products-services as the tool to monitor and find out suspicious transactions.
o Lead and monitor the completion of customer profiles or suspicious customer transactions on
o Suspicious Transaction Report (STR) for management decision before sending to CAFIU.
o Investigate compliance breaches and whistle blowing cases and ensures fair treatment of ethical complaints.
o REPORTING
o Provide reports on the compliance application to Compliance Manager on a monthly basis and anytime deem necessary.
o Report on the compliance application shall cover the following at a minimum:
 AML/CFT compliance;
 Legal compliance and/or other necessary needed.
 LIASES WITH
o Customer Service’s Department Deposit Department
o Internal Audit Department
o Human Resources Department Credit Department
o Risk Management Department Accounting Department
o IT Department
o ACCOUNTABILITY
o The Senior Compliance Officer is responsible for compliance work in Compliance Department which is assigned by Compliance Manager.

• Perform Inward and Outward International Fund Transfer.
• Perform Inward and Outward Local Fund Transfer such as Inter-Bank Transfer, FAST, RFT, BAKONG and alliance partners.
• Verify the daily operations reports of Local and International Fund Transfer as well as ITRS, PSD and related reports which required by management and regulators.
• Perform the reconciliation of Nostro and Vostro accounts to ensure that the daily operation is correct and accurate.
• Support branches to ensure that the policy and the requirement of remittance as well as the process of conducting KYC, CDD and EDD are well understood.
• Ensure that each process of remittance is complied with regulator’s requirements and AML/CFT policy.
• Ensure that the submission ITRS and PSD report to NBC is on time.
• Provide excellent responses of any inquiry to correspondent banks on timely manner. Report suspicious customer transaction to Compliance Department, if any.
• Any other duties which required/assigned by management.

• Handling dispute arising between the bank, customers, and alliance partners.
• Taking a prompt action to customer to that the customer’s problem have been resolved on time.
• Ensuring the superior customer service provided to customers.
• Ensuring the customer service stratification at the bank or other channel.
• Assisting manager in providing a training and a refreshment of job responsibilities relating to customer services. Handling tasks assigned by Manager.

• Crediting and holding merchant transactions.
• Reconciliation and Settlement of both local and international card schemes Solving customer’s dispute transactions and merchant holder problems.
• Resolving complaint related to bill payment.
• Verifying and posting necessary adjustment for the disputed transaction Other Tasks assign by Manager

• Involve with card products, advertisement, promotional campaign and price setting up. Involve with Card Management System, Card Schemes and NBC CSS project.
• Work with relevant teams regarding to ATM placement and installation.
• Work with relevant teams and vendor to solve issues on Card Management System.
• Work with relevant teams to support and conduct testing ATM and Card Operation when have new development, customization, and upgrades on Card Management System.
• Support and provide training related to ATM, Card Operation and new feature on Card Management System to Branches and other relevant departments.
• Checking and Creating Card Application/documents that receive from branches. Producing and packing card for delivery to branches.
• Monitoring and tracking ATM Cash Balance and ATM service performances. Work and support relevant team with dispute and fraud transaction.
• Supporting ATM and Card Operation manual guide, procedure and guideline with relevant teams. Other Tasks assign by Manager.

• Fully under the leadership of Branch Manager and cooperate with all necessary work related.
• Responsible for telephone call collection, inform client to pay loan in time.
• Conduct external visits to clients according to different situations.
• Record, classify and summarize all collection results, follow-up situation in a timely manner.
• Analyze together with BM and conduct effective plans for general recovery.
• Deliver warning letters to client and any guarantor who is involved with loan late.
• Develop various effective information channels. For lost customers, increase the recovery rate, and reduce the loss of bad debts.
• Complete the collection target raised by Branch Manager.

• 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

• 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;

• Reconciliations of ledger accounts relating operating transactions in Core Banking System
• Assist manager in preparing budget plan
• Prepare monthly report by comparing to budget
• Assist in developing and updating guidelines to ensure transactions are simplified and compliance with regulations CIFRS and regulatory requirements
• Assist manager in the preparation of monthly, quarterly and annually financial reports.
• Other tasks assigned by manager.

• Regular monthly check-ins on overdue accounts – keep updated on all overdue accounts
• Make Calls to Clients with overdue accounts – work closely with PLB branches; attempt to locate & contact clients, primarily over the phone, in order to talk with them about their debts, which includes calling customers at home, at work & on their mobile phones.
• Negotiate Payment Schedules - negotiate payment plans & payment schedules that suit current financial situation while still satisfying the debt.
• Advise Customers - on various payment options. If no payment agreement can be reached, customers are informed of further actions that may be taken to collect overdue debts.
• Maintain Customer Files - keep customer files updated, recording times & dates that contact has been made, noting information that customers have received about their debt.
• Prepare Statements - which will be given to credit departments & other institutions when customers fail to meet their payment agreements or when no payment agreement can be made
• Write Letters - to customers to inform them of their debts. When customers fail to meet their payment obligations & fail to make payment agreements, Collection Officers will write letters to credit agencies, insurance companies, lawyers & customers’ employers to collect debt without the customer’s aid
• Answer Phones - answer incoming calls from customers & other individuals
• Follow up with PLB panel of lawyers – to carry out necessary legal actions to recover debts & loans
• Perform any & all related duties that may be required from time to time