BACK OFFICE OFFICER

Key Responsibilities A. Transaction Verification & Authorization (Checker Role) Review and authorize transactions initiated by Customer Service Officers and Tellers within approved limits Verify completeness and accuracy of supporting documentation Ensure all transactions are correctly posted in the Core Banking System (CBS) Escalate high-value or exception transactions to the Operations Manager for approval B. Account Opening Review & Approval Review account opening documents submitted by Customer Service Officers Ensure compliance with KYC (Know Your Customer) and AML requirements Approve or reject account openings based on completeness and compliance Ensure proper filing and maintenance of customer records C. Payment Systems Processing & Monitoring Monitor and process transactions across payment channels, including: TISS (RTGS – large value transfers) TIPS (instant payments) Mobile Banking (internal platform) ATM and Agent Banking (Umoja Switch) Investigate and resolve failed or disputed transactions Ensure timely settlement and posting of all transactions D. Reconciliation Perform daily reconciliation of: TISS and TIPS settlement accounts ATM and agent (switch) accounts Mobile banking transactions Investigate and resolve all reconciling items promptly Maintain proper documentation for all reconciliations E. Suspense & Control Accounts Management Monitor all suspense, clearing, and transit accounts on a daily basis Ensure timely clearance of outstanding items Investigate and escalate long-outstanding balances Process adjustments subject to approval by the Operations Manager F. Compliance & Risk Management Ensure adherence to internal policies, procedures, and Bank of Tanzania (BOT) regulations Detect and escalate suspicious transactions or operational irregularities Maintain strict confidentiality of customer and bank information Support internal and external audits G. Reporting & Operational Support Prepare daily, weekly, and monthly operational and reconciliation reports Support end-of-day (EOD) and end-of-month (EOM) processes Assist in system testing, product roll-outs, and process improvements H. General Duties Maintain proper record keeping and documentation Ensure high standards of accuracy, professionalism, and integrity Perform any other duties as may be assigned by the supervisor from time to time Key Performance Indicators (KPIs) Accuracy of transaction verification and authorization Timely completion of daily reconciliations Number and aging of reconciling items Compliance (minimal/no audit findings) Timely resolution of transaction disputes and exceptions Requirements Qualifications & Experience Bachelor’s degree in Accounting, Finance, Banking, or related field Minimum of 2 years’ experience in banking operations (fresh graduates may be considered for trainee roles) Strong understanding of reconciliation processes and internal controls Working Conditions Branch-based role with limited customer interaction Requires high concentration and adherence to operational controls May involve extended working hours during reconciliation or reporting periods