NIGEL T BIZA

Front Office / Customer Service

• Greet clients, and respond to inquiries about products and services.
• Assist with opening accounts (savings, current, and fixed deposits).
• Support customers with ATM, mobile, and online banking platforms.
• Guide clients through the loan application processes.
• Manage appointment bookings for relationship managers, or specialists.

Teller / Cash Management

• Process deposits, withdrawals, cheque clearances, and loan payments.
• Balance at the start and end of each shift.
• Handle foreign currency transactions, and verify exchange rates.
• Issue cashier’s checks, bank drafts, and money orders.
• Follow all cash handling and anti-fraud procedures.

Credit & Lending

• Conduct preliminary assessments of loan applications.
• Collect and verify customer income documents and collateral.
• Maintain client loan files and repayment schedules.
• Monitor overdue accounts and send follow-up reminders.
• Liaise with the Credit Committee for approvals.

Back Office / Operations

• Reconcile daily branch transactions and submit reports.
• Process inward and outward transfers (RTGS, ZIPIT, SWIFT).
• File and archive client and transactional documents.
• Manage standing orders, stop payments, and account closures.
• Support audit preparation and internal reviews.

Compliance & Risk

• Conduct KYC (Know Your Customer) and due diligence checks.
• Report suspicious transactions as part of AML compliance.
• Ensure branch activities align with regulatory standards (RBZ or ZIMRA).
• Assist with internal and external audits.
• Monitor adherence to internal control policies.

Digital & E-Banking

• Register clients for mobile and internet banking services.
• Assist with password resets and digital platform navigation.
• Promote usage of e-channels (e.g., USSD, mobile app).
• Monitor system downtime reports and escalate technical issues.
• Provide feedback on customer digital experience to IT team

Customer Service & Front Office

• Warmly welcomed and assisted customers with banking services in-branch and remotely.
• Addressed inquiries on account balances, interest rates, charges, and transaction details.
• Guided clients in opening accounts (savings, current, fixed deposits) and onboarding processes.
• Provided support for online and mobile banking activation, navigation, and troubleshooting.
• Resolved complaints and service issues in a professional and timely manner.

Cash & Teller Operations

• Accurately processed deposits, withdrawals, cheque clearances, loan repayments, and bill payments.
• Conducted foreign exchange transactions and issued travelers' checks and bank drafts.
• Ensured till balance accuracy at the start and end of shift, identifying and reporting discrepancies.
• Managed issuance of cashier’s checks, money orders, and electronic transfers.

Compliance & Risk Management

• Verified customer identification documents and ensured compliance with KYC and AML policies.
• Flagged and reported suspicious transactions and fraud attempts as per compliance protocols.
• Supported internal audits by preparing documentation and responding to queries.
• Adhered to all central bank and internal regulatory guidelines governing branch activities.

Sales & Business Development

• Promoted and cross-sold bank products including savings plans, loans, insurance, and cards.
• Identified customer needs and offered tailored financial solutions, boosting branch revenue.
• Educated clients on the benefits of using digital banking tools and card services.

Back Office & Administrative Support

• Maintained accurate customer records and processed updates for personal or account details.
• Reconciled daily transactions, cash positions, and branch reports.
• Processed interbank transfers, standing orders, and internal fund movements.
• Assisted in preparing financial statements, loan application documentation, and compliance report