渣打银行
Teller
Teller
发布于 1 天前普通员工/个人贡献者
杭州市
初级经验
全职员工
仅现场办公
本科
客户服务与支持
反洗钱
合规
团队合作
客户尽职调查
客户服务
银行产品知识
银行柜台操作
风险控制
AI 估算 · 6k–10k
杭州初级银行柜员岗位，薪资处于行业中等偏低水平，但外资银行福利较规范
职位详情
关于这个职位
该职位是渣打银行杭州分行的柜员，主要负责柜台交易处理、客户服务及日常营运操作，确保合规与准确性
你需要具备银行产品知识、风险控制意识，并能在团队中协作，为内外客户提供优质服务
适合有1-2年银行经验、注重细节、服务意识强的求职者
最低要求
A university degree with 1-2 years of related banking experience prevails
Solid knowledge of bank products and services and banking procedures, equities markets, unit trusts and other personal investment services
A team player who shows initiative and assertive
工作职责
Understand, acknowledge and comply with the requirements on individual accountabilities and responsibilities of the job set out in applicable local laws and regulations as well as SCB internal policies;
Effectively ensure and intensify internal controls by keeping abreast with developments of applicable local laws and regulations on accountabilities;
Perform job duties with diligence, contribute to efforts as an individual or as a team member so as to avoid any actual or potential legal sanctions, regulatory penalties, material financial loss, or adverse reputational impact on the Bank;
Be responsible for failure to follow relevant rules and processes, failure to properly perform the responsibilities, and implement corrections;
Cooperate with any investigations or reviews on regulatory failure such as accountability review.
Support to achieve business objective at the respective branch
Drive or support cost optimization initiatives to achieve cost saving target
Embed client centric mind in daily operation as well as to maintain up best in class front-line service
Continue to advocate human banker and client centric service mindset in service staff for enriching internal and external customer experience
Achieve client satisfaction in daily branch services and operations
Build SCB a great place to work
Handle all counter operations, branch transactions in good result to ensure all bank internal and external rules/standards/procedures/manual are strictly followed
Perform bank required due diligence in branch start of day and end of day work on daily base to ensure no exception in execution
Complete regulatory required reporting timely and accurately to ensure the report follows regulatory requirements with no exception
Support Line Manager achieve good MCA rating in branch audit
Escalate for any exception detected or observed in daily work to minimize potential negative impact on the bank
Ensure all required certifications are obtained per internal and external requirements
Acknowledge and follow bank job rotation policy/procedure that working location will be subject to detail arrangement on due with no objection
Adhere to bank Conduct Plan, and all control and assurance mechanisms to comply with all internal and external standards and policies in executions
Adhere to laws and regulations, internal risk (including FCC risks as anti-money laundry, sanction, anti-bribery & corruption), compliance policies and the Group Code of Conduct; well manage client complaints & CDD
Actively participate in various training programs arranged by the bank and keep self-learning on the laid down procedures/manuals and local regulation
Actively participate in various campaigns related to service team and achieve the target
Develop multi-product knowledge and job skills to support different segments and sales channels
Complete new joiner training program if new to the position (new hire or internal transfer) base on bank policy, and pass all required assessment by training timeline
Fully understand the importance of Consumer Rights Protection, prevent damage to consumers’ best interest
Implement regulatory requirements related to Consumer Rights Protection, ensure to complete relevant trainings
Always embed Consumer Rights Protection mindset when performing daily work
AI 洞察
优缺点分析
优点
- 外资银行平台规范，培训体系完善，能系统学习银行业务及合规知识
- 工作稳定性高，福利待遇较好，年终奖及五险一金有保障
- 客户接触面广，能锻炼沟通能力和服务意识，为未来职业发展打下基础
- 晋升通道相对有限，转向销售或中后台需要主动争取机会
- 适合注重稳定、做事细心、服务意识强，希望在银行体系内长期发展的求职者
缺点 / 挑战
- 柜台工作重复性较高，日常操作压力较大，需保持高度专注
- 银行内部合规要求严格，操作流程繁琐，违规风险需时刻防范
角色解读
- 可向资深柜员、柜面主管方向发展，承担更多复核及管理职能
- 通过积累产品知识和销售技巧，可转岗至客户经理、理财经理等销售类岗位
- 也可向运营、风控、合规等中后台岗位转型，拓展职业宽度
- 办理柜台现金及转账交易，确保系统操作准确无误，符合内外部规章制度
- 负责营业日始末的尽职审核，如现金盘点、凭证核对等
- 为客户提供优质服务，解答产品咨询，处理投诉，并识别销售机会
- 按时准确报送监管报表，协助完成内部审计及风险控制工作
- 掌握银行基础产品知识，如存款、汇款、外汇、理财产品等
- 具备较强的风险意识和合规意识，熟悉反洗钱、客户尽职调查等要求
- 良好的沟通能力和服务意识，能耐心细致地处理客户需求
- 熟练操作银行核心系统及办公软件，具备一定的数据核对能力
申请策略
- 面试时强调对细节的关注和抗压能力，可举例说明在高强度工作中保持准确性的经历
- 了解渣打银行的企业文化和价值观，展现对长期服务的承诺
- 突出银行相关实习或工作经历，强调操作准确性和合规意识
- 列举所熟悉的银行产品和服务，如存款、汇款、外汇等
- 展示团队合作和客户服务案例，尤其是处理复杂业务或投诉的经历
- 提前学习反洗钱、客户尽职调查等合规知识，了解银行业最新监管动态
- 提升Excel等办公软件技能，便于数据处理和报表制作
- 如有条件，可考取银行从业资格证、反假币证书等，增加竞争力
面试指南
- 先明确步骤，然后点出关键风险点（如双人复核、大额授权、反洗钱识别）
- 使用STAR方法：情景-任务-行动-结果，展现解决问题的能力和服务意识
- 结合银行业现状，表达对合规和客户体验的重视，并说明长期发展意愿
- 请简述一笔柜台现金交易的处理流程，并说明需要注意哪些风险点
- 如果遇到客户投诉，你会如何应对？
- 请举例说明你在团队中如何协作完成一项任务
- 你对反洗钱和客户尽职调查有哪些了解？
- 为什么想加入渣打银行？你对柜员岗位的职业规划是什么？
职位点评
62
综合评分
外资银行柜员，薪资稳定福利好，发展空间有限，适合求稳的候选人
更适合这类人
该职位最适合看重薪酬稳定性、福利保障和规范平台，对职业发展和技术挑战要求不高的求职者。
表现最好
薪资福利
相对薄弱
使命价值
薪资福利75
成长发展65
工作生活60
使命价值50
薪资福利
75中等
该职位提供相对稳定的薪资和福利，外资银行标准较高，但柜员薪资在行业内属中等水平，晋升空间有限，补偿性动机中等偏上。
薪资信号未披露（AI估算：6K-10K/月）
成长发展
65中等
有培训体系和轮岗制度，但工作内容偏操作，技能成长空间有限，技术含量不高，发展性动机满足一般。
技术前沿传统/成熟技术
成长机会培训、轮岗、自我发展
业务类型ambiguous
工作生活
60中等
柜台工作固定时间，但需日常轮班（如早晚班），工作地点固定，WLB一般，生活化动机部分满足。
工作模式仅现场办公
办公地点市区核心地段
加班情况未提及（无法判断）
使命价值
50较低
银行服务有一定社会价值，但柜员岗位对客户直接的帮助有限，行业成熟，意义感一般。
行业发展稳定成熟行业
社会影响中性/一般
使命信号保护消费者权益
创新程度稳健跟随主流
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