Job description
Our client, a well-established foreign bank in Hong Kong, is seeking experienced Clearing & Deposits Operations professionals to join its Operations team. This opportunity is ideal for candidates with hands-on experience in Cheque Clearing, FPS, Deposits Operations, Account Maintenance, Autopay, and Direct Debit processing, particularly those currently working within Branch Operations or Centralized Banking Operations functions.
The successful candidate will support the daily processing of clearing and payment transactions, ensuring operational accuracy, regulatory compliance, and excellent service delivery within a dynamic banking environment.
Key Responsibilities
- Process daily clearing and payment transactions accurately and efficiently in accordance with internal policies, HKICL rules, regulatory requirements, and banking procedures.
- Handle and monitor various clearing activities, including:
- Cheque Deposits and Clearing
- Batch Cheque Issuance
- FPS (Faster Payment System)
- Autopay Transactions
- Direct Debit Authorisations (DDA)
- Perform reconciliation, balancing, and exception handling to ensure transaction accuracy and timely resolution of discrepancies.
- Support daily operations related to Deposits and Account Maintenance services.
- Assist in monitoring unusual or suspicious transactions and support AML-related reviews and reporting requirements.
- Prepare operational reports, banking returns, and management information reports as required.
- Liaise with internal stakeholders and business units to ensure smooth transaction processing and service delivery.
- Participate in system enhancement projects, user acceptance testing (UAT), and process improvement initiatives.
- Ensure compliance with internal controls, operational procedures, regulatory requirements, and risk management standards.
- Support contingency exercises, business continuity planning activities, and operational control reviews when required.
Requirements
- Diploma or Degree holder in Business Administration, Banking, Finance, or related disciplines.
- Practical experience in one or more of the following areas within a banking environment:
- Cheque Clearing Operations
- FPS Operations
- Autopay Processing
- Direct Debit Authorisations (DDA)
- Deposit Operations
- Account Maintenance Services
- Familiarity with HKICL clearing rules, banking operations procedures, and market practices is preferred.
- Knowledge of HKMA regulatory requirements and AML transaction monitoring would be an advantage.
- Strong attention to detail with good analytical and problem-solving skills.
- Able to work independently and collaboratively in a fast-paced banking operations environment.
- Experience in UAT testing, system implementation, or process improvement projects will be an added advantage.
- Good command of spoken and written English and Chinese, Cantonese is a MUST.
- Proficiency in Microsoft Office applications, particularly Excel VBA knowledge is a plus.