Full job descriptionOperations Officer

About the RoleWe are seeking an experienced and detail-oriented Operations Officer to support the day-to-day management of banking operations. Reporting to the Operations Manager, you will play a key role in ensuring the smooth and efficient delivery of operational services, including account opening, payments processing, customer onboarding, static data maintenance, and general banking transactions.
This is an excellent opportunity for a banking professional who is passionate about delivering exceptional customer service, maintaining operational excellence, and ensuring compliance with regulatory and internal requirements.
Key Responsibilities*Process customer transactions accurately and efficiently, including payments, cash transactions, and general banking operations.
*Manage customer onboarding activities, including account opening, debit card issuance, online banking setup, and mandate maintenance.
*Maintain and update customer static data and account information across core banking systems.
*Ensure all operational activities comply with internal policies, regulatory requirements, AML standards, and risk management frameworks.
*Set up and maintain approved facilities, customer limits, trading limits, and settlement parameters within core banking systems.
*Process fixed-term loans, term deposits, renewals, rollovers, repayments, and related operational activities.
*Liaise with Credit Risk and other stakeholders to ensure all conditions precedent are met for new loan drawdowns.
*Investigate and resolve operational queries, discrepancies, and customer issues in a timely and professional manner.
*Identify, escalate, and support the resolution of operational risks, incidents, and compliance concerns.
*Maintain accurate records, logs, and evidence of actions taken.
*Review operational procedures regularly and ensure desk instructions remain current and effective.
*Assist with the production of management information (MI) and operational reporting.
*Support operational resilience initiatives, business continuity activities, and incident response processes.
*Contribute to a culture of compliance, risk awareness, and continuous improvement.
Key RequirementsExperience & Knowledge*Minimum 3 years’ experience within a banking operations environment.
*Strong understanding of retail banking products and services, including current accounts, deposit products, payments, and customer onboarding.
*Experience processing banking transactions and maintaining customer records within core banking systems.
*Good understanding of operational risk, AML, compliance, and regulatory requirements.
*Working knowledge of SWIFT payments and messaging.
*Familiarity with loan and deposit processing would be advantageous.
Skills & Competencies*Excellent attention to detail and commitment to accuracy.
*Strong organisational and time management skills.
*Customer-focused with a commitment to delivering high-quality service.
*Ability to work effectively under pressure and manage competing priorities.
*Strong communication and stakeholder management skills.
*Proactive approach to problem-solving and continuous improvement.
*Proficient in Microsoft Office applications, particularly Excel and Word.
*Team-oriented, flexible, and willing to support colleagues when required.
What Success Looks Like*High levels of processing accuracy and operational efficiency.
*Minimal errors, losses, and customer complaints.
*Consistent adherence to policies, procedures, and regulatory requirements.
*Effective risk identification, escalation, and resolution.
*Positive customer and stakeholder feedback.
*Strong contribution to operational resilience and business continuity objectives.
If you are an experienced banking operations professional looking to join a dynamic and customer-focused environment, we would love to hear from you.