What does the teller do. Duties of the cashier-operator. How do the tasks of a cashier differ in different service areas? Cashier

Job description of a bank accountant[name, organizational and legal form of the bank]

This job description has been developed and approved in accordance with the provisions and other regulations governing labor relations in the Russian Federation.

1. General Provisions

1.1. The bank's accountant-operator belongs to the category of specialists.

1.2. The bank's accountant-operator is appointed and dismissed by the order of the [position of the head of the bank] on the proposal of the [head of the structural unit; other official].

1.3. A person with secondary (complete) general education and special training according to the established program for each type of banking operations carried out by him, work experience in a credit institution for at least [value] years is appointed to the position of an accountant-operator of a bank.

1.4. The bank's accountant-operator is guided in his labor activity by the legislation of the Russian Federation, regulations governing banking in the Russian Federation, including: the Civil Code of the Russian Federation, Federal Law of July 10, 2002 N 86-FZ "On the Central Bank of the Russian Federation (Bank of Russia) , Regulation of the Central Bank of Russia dated April 24, 2008 N 318-P "On the procedure for conducting cash transactions and the rules for storing, transporting and collecting banknotes and coins of the Bank of Russia in credit institutions on the territory of the Russian Federation", Regulation of the Central Bank of Russia dated 03.10.2002 N 2 -P "On non-cash payments", Regulation of the Central Bank of Russia dated March 26, 2007 N 302-P "Rules for accounting in credit institutions located on the territory of the Russian Federation", other regulatory legal acts, instructions and methodological recommendations concerning the activities of credit organizations.

1.5. The bank's accountant should know:

The procedure for processing and forms of bank documents;

Rules for the receipt, issuance, accounting and storage of funds, securities and other valuables;

Accounting Rules for Credit Institutions;

Limits on cash balances set for bank customers;

Rules for the operation of electronic computers;

Fundamentals of Labor Organization;

Fundamentals of Labor Legislation;

Internal labor regulations;

Rules and norms of labor protection, safety and fire protection.

1.6. An accountant-operator must have the skills to work with a personal computer, with specialized programs, information and reference systems.

1.7. An accountant-operator must have, along with professional knowledge, skills and abilities, the following moral qualities: a sense of responsibility, discipline, accuracy, attention. When working with clients of a bank, an accountant-operator must be polite and tactful.

1.8. The accountant-operator of the bank reports directly to the [head of the structural unit; other official].

1.9. The accountant-operator is subordinate to [the names of the positions of the bank specialists, for example, the cashier of the foreign exchange office, etc.].

1.10. During the absence of an accountant-operator of the bank (illness, vacation, business trip, etc.), his duties are performed by a person appointed in accordance with the established procedure, who is fully responsible for their proper execution.

2. Functions

2.1. The following functions are assigned to the accountant-operator of the bank:

Prompt and high-quality settlement and cash services for clients - legal entities;

Direct execution of banking operations for non-cash settlements of clients - legal entities.

3. Job responsibilities

3.1. To perform the functions assigned to him, the accountant-operator performs the following duties:

Acceptance of payment orders from clients, verification of the compliance of details, completeness and correctness of their execution, compliance with the requirements established by the Regulation on cashless payments in the Russian Federation. At the same time, the main areas of control of payment documents are: verification of the numbers of correspondent accounts, MFOs and codes of commercial banks and cash settlement centers in accordance with the classifier, compliance of the seal and signatures with the signature sample card, compliance of the signature with the signature sample on the plastic card , the correspondence of the indicated account of the Client to the account in the Bank's system, the absence of corrections and additions in the executed documents, the presence in the corresponding column of the date of receipt of the goods or preliminary terms of payment, etc .;

Making payment orders to clients;

Formation of statements on ruble and foreign currency accounts of clients and a selection of the necessary applications for them;

Maintaining a filing cabinet, carrying out operations to write off funds from customers 'accounts on the basis of executed documents, other requirements and orders of customers, subject to the sequence of writing off funds from customers' accounts in accordance with Art. 855 of the Civil Code of the Russian Federation, as well as compliance with the deadlines for issuing wages, transferring taxes and charges to the payroll;

Carries out accounting entries for these operations and pays for them on the current day;

Cash withdrawal by check;

Execution of documents for accepting cash at the bank's cash desk;

Issuance of check books;

Issuance of certificates and duplicate documents at the request of the client;

Sorting bank documents for the archive;

Writing off commission payments for settlement and cash servicing of clients during the operating day (for example: commission payments for making payment orders, issuing cash by check, depositing cash to a current account, currency control, transferring currency payments and payments in Russian currency, issuing certificates customers, issue of checkbooks, etc.);

Consulting and prompt solution of emerging issues of clients and banks;

Preparation of certificates of various contents (for example: about available funds, about opening an account, to customs, about turnover, etc.) and issuance of duplicate documents at the request of the client;

Cash collection (registration of an incoming cash order, commission write-off, posting through transit accounts);

Preparation of inquiries on issues arising in the course of the activity of a structural unit of the bank, as well as preparation of responses to inquiries from other banks;

Confirmation of balances on current accounts;

Checking the cash discipline of customers.

4. Rights

4.1. The bank's accountant-operator has the right to:

For all social guarantees stipulated by the legislation;

Require the bank's management to assist in the performance of their official duties and the exercise of rights;

Require the creation of conditions for the performance of official duties, including the provision of the necessary equipment, technical means, etc .;

To get acquainted with the draft decisions of the bank's management concerning its activities;

Submit for the consideration of the bank's management proposals for improving the organization and improving the methods of work performed by it;

Request, personally or on behalf of the immediate supervisor, the documents necessary for the performance of their official duties;

Improve your professional qualifications.

5. Responsibility

The bank's accountant is responsible for:

For non-fulfillment or improper fulfillment of their duties stipulated by this job description - within the limits determined by the current labor legislation of the Russian Federation;

For causing material damage - within the limits determined by the current labor and civil legislation of the Russian Federation;

For offenses committed in the course of carrying out their activities - within the limits determined by the current administrative, criminal, civil legislation of the Russian Federation.

The job description is developed in accordance with [name, number and date of the document].

Head of structural unit

[signature] [initials, surname]

[day month Year]

Agreed:

Head of the legal department

[signature] [initials, surname]

[day month Year]

I have read the instructions:

[signature] [initials, surname]

[day month Year]

Job description of a bank teller

APPROVED
General manager
Surname I.O. ________________
"________"_____________ ____ G.

1. General Provisions

1.1. The bank teller belongs to the category of technical specialists.
1.2. Appointment to the position of a cashier-operator of the bank and release from it is made by order of the bank manager.
1.3. The cashier-operator of the bank reports directly to the shift supervisor or the head of the department.
1.4. During the absence of the bank's cashier-operator, his rights and obligations are transferred to another official, who acquires the corresponding rights and is responsible for the proper performance of the duties assigned to him.
1.5. A person who has primary vocational education without presenting requirements for work experience or secondary (complete) general education and special training according to the established program without presenting requirements for work experience is appointed to the position of a bank teller-operator.
1.6. The bank teller should know:
- regulatory legal acts, regulations, instructions, other guidance materials and documents for conducting cash transactions;
- forms of cash and bank documents;
- rules for the receipt, issuance, accounting and storage of funds and securities;
- the procedure for registration of incoming and outgoing documents;
- limits of cash balances established for the enterprise, rules for ensuring their safety;
- the procedure for maintaining a cash book, drawing up cash statements;
- the basics of labor organization;
- rules for the operation of computer technology;
- fundamentals of labor legislation;
-the rules of the internal labor schedule;
- rules and norms of labor protection.
1.7. The cashier-operator of the bank is guided in his activities:
- legislative acts of the Russian Federation;
- the bank's charter, internal labor regulations, and other bank regulations;
- orders and orders of the management;
- this job description.

2. Functional responsibilities of the bank teller

The bank teller-operator performs the following job duties:

2.1. Carries out operations for the receipt, accounting, issuance and storage of funds and securities with the obligatory observance of the rules ensuring their safety.
2.2. Serves clients on accounts, deposits, transfers, bank cards.
2.3. Conducts currency exchange operations.
2.4. Carries out settlements with clients, sale of banking products.
2.5. Keeps the cash book on the basis of incoming and outgoing documents, compares the actual availability of monetary amounts and securities with the book balance.
2.6. Draws up inventories of worn-out banknotes, as well as relevant documents with the aim of replacing them with new ones.
2.7. Draws up cash statements.

3. Rights of the bank teller

The cashier-operator of the bank has the right to:

3.1. To get acquainted with the draft decisions of the bank's management concerning its activities.
3.2. Submit proposals for improving the work related to the responsibilities provided for in this instruction for the management's consideration.
3.3. Within the limits of their competence, inform the immediate supervisor about all deficiencies identified in the process of activity and make proposals for their elimination.
3.4. Receive from structural divisions and specialists information and documents necessary for the performance of his official duties.
3.5. Require the management of the institution to assist in the performance of their duties and rights.

4. Responsibility of the bank teller

The bank teller is responsible for:

4.1. Failure to fulfill or improper fulfillment of their duties as provided for by this job description - within the limits determined by the current labor legislation of the Russian Federation.
4.2. Causing material damage to the employer - within the limits determined by the current labor and civil legislation of the Russian Federation.
4.3. Offenses committed in the course of carrying out their activities - within the limits determined by the current administrative, criminal, civil legislation of the Russian Federation.

If after reading this article you do not receive a definite answer, ask for quick help:

What are the main functions and duties of a cashier? This is a specialist whose main task is to carry out cash transactions with plastic bank cards. It accepts and gives out cash, securities, electronic money. It is simply impossible to imagine the work of trading companies, banking structures, transport companies and other institutions without cashiers.

A bit of history

The beginning of the profession of a cashier was laid by treasurers and clerks, who described and distributed the property captured by the troops. Cashiers, as we imagine them now, appeared in the 19th century, when the Ritty brothers, Americans, invented the prototype of the modern cash register. Since then, of course, much has changed, and now the work of a cashier is rarely only about accepting and dispensing money. Most often, in modern companies, the position of a cashier is combined with the position of an accountant, clerk, controller, bank employee. The requirements for such financial specialists are different. The general requirement is increased attentiveness, because their work is connected with money.

Job responsibilities of a cashier-operator

For example, there is such a position as a cashier-operator. This is the kind of employee who, in fact, is the face of the bank, because it is he who is the first to be seen by customers.

The cashier-operator conducts transactions with customer deposits. The list of what a bank teller should do is quite extensive:

In addition, some banks may impose additional requirements. The duties of a bank teller may include knowledge of foreign languages, the availability of specialized education, knowledge of the orders of the Bank of Russia. Much depends on the specifics of the bank's work. The cashier can maintain, open and close deposits of both individuals and legal entities, arrange money transfers, verify the authenticity of the signature and the correctness of the documents, maintain daily documentation. If a cashier conducts transactions with foreign currency, the employer will require the employee to have a foreign exchange cashier's certificate.

Bank cashier. Pros and cons of working

Of course, being a bank teller is quite prestigious. For some, the very fact of working in a bank gives a feeling of confidence. For others, such work is only the first step to starting a fast-paced ambitious career. After all, history knows a huge number of examples when the most famous bankers and financiers began to take off on the career ladder precisely from the position of a cashier. But despite the fact that it is an honor to be a bank teller, this job has a number of disadvantages. Cashiers bear great responsibility for the safety of funds, including material ones. At the workplace, there are constant rush jobs, a tight schedule, a large amount of work, a high workload, a negative psychological background. There is also a risk of robbery raids, which must not be forgotten.

The main duties of a cashier in a store

In other organizations, the job descriptions of the cashier look a little different. For example, a cashier in a store combines the functions of a cashier and a salesperson. Maximum attention is also required from him. But, in addition to this, the employer will require him to know the computer, office programs, 1C, cash discipline, the procedure for processing cash documents. Although work experience is often not required, cash register skills will only be a plus. In general, the main job duties of a cashier in a store look like this:

To get a job in a trading company as a cashier, it is enough to take specialized courses to acquire the necessary skills. It is not necessary to graduate from a specialized university. But if in the arsenal of an employee there are specialties "Economics and Accounting", "Finance and Credit", "Banking", "Commodity Science and Expertise of the Quality of Consumer Goods", he can apply for the position of a cashier.

Senior cashier. His job responsibilities

There are a lot of cashiers in large retail grocery stores or in home appliance stores. In shopping malls, there is such a position as a senior cashier. His duties are to organize the work of the rest of the cashiers. He carries out the following works:

Cashier of pure water

In the understanding of the majority, the "classic" position of a cashier is a cashier-controller. He deals with cash settlements with customers, sells and issues season tickets and tickets. The work of such a specialist is not always carried out in a certain place; controllers with a portable cash register can accept payments for services from the population, for example, for electricity and other utility payments.

The duties of the controller-cashier are to determine or calculate the appropriate fee, accept funds, issue a check. Cashiers are financially responsible people, so they will be liable for every mistake with a fine from their salary.

Is a cashier a female profession?

The profession of a cashier is considered quite common, and it is believed that it is most suitable for women. Maybe due to the fact that the profession is rather monotonous and monotonous? Cashiers are often the face of the company, because they are the ones who meet and see off guests, and women are better at being friendly. Be that as it may, both men and women with their pleasant appearance and benevolence are able to create a favorable impression from the company. Therefore, employers, when choosing for this position, will give preference to a sociable person.

Cashier-operator- the face of the bank, because he is the first who meets visitors. In our job description cashier-operator the bank has prescribed the duties of this specialist, which include: communicating with customers, monitoring the status of accounts, making changes to the database when money is received and withdrawn. Many of those who today have reached certain heights in financial structures, once started by working in the window for receiving payments.

Job description of a bank teller

APPROVED
General manager
Surname I.O. ________________
"________"_____________ ____ G.

1. General Provisions

1.1. The bank teller belongs to the category of technical specialists.
1.2. Appointment to the position of a cashier-operator of the bank and release from it is made by order of the bank manager.
1.3. The cashier-operator of the bank reports directly to the shift supervisor or the head of the department.
1.4. During the absence of the bank's cashier-operator, his rights and obligations are transferred to another official, who acquires the corresponding rights and is responsible for the proper performance of the duties assigned to him.
1.5. A person who has primary vocational education without presenting requirements for work experience or secondary (complete) general education and special training according to the established program without presenting requirements for work experience is appointed to the position of a cashier-operator of a bank.
1.6. The bank teller should know:
- regulatory legal acts, regulations, instructions, other guidance materials and documents for conducting cash transactions;
- forms of cash and bank documents;
- rules for the receipt, issuance, accounting and storage of funds and securities;
- the procedure for registration of incoming and outgoing documents;
- limits of cash balances established for the enterprise, rules for ensuring their safety;
- the procedure for maintaining a cash book, drawing up cash statements;
- the basics of labor organization;
- rules for the operation of computer technology;
- fundamentals of labor legislation;
-the rules of the internal labor schedule;
- rules and norms of labor protection.
1.7. The cashier-operator of the bank is guided in his activities:
- legislative acts of the Russian Federation;
- the bank's charter, internal labor regulations, and other bank regulations;
- orders and orders of the management;
- this job description.

2. Functional responsibilities of the bank teller

The bank teller-operator performs the following job duties:

3. Rights of the bank teller

The cashier-operator of the bank has the right to:

4. Responsibility of the bank teller

The bank teller is responsible for:

The bank teller is an employee of the bank. His responsibilities include the following range of tasks: receiving and communicating with clients, controlling accounts, making changes to the base, if funds are received on the account or the client withdraws them. These are the functions that bank teller... The employee is an unofficial person of the bank. The first visitors come across it. Therefore, the position of a clerk is considered very important in the bank. Usually this position is occupied by young and promising bank employees. For them, the position of a bank teller will be the first step in the career ladder.

Description of the profession of a bank teller

This profession implies performing a number of functions - organizing the transfer and issuance of money from the client's account, maintaining cash settlement documents, checking the correctness of checks, orders and other documents, checking the authenticity of signatures in receiving money and valuables. Also, the bank operator constantly keeps cards of collection operations, calculates penalties and interest, and also writes off collection documents from personal accounts. The specialist must take part in audits based on the results of each quarter.

10.07.2013

09.07.2013


	In the list of qualities necessary for this profession, I would also mention sufficient qualifications, because, unfortunately, many such bank employees simply do not have the necessary knowledge.