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
  

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