What are the functions of the front office, middle office and back office of the bank?

Bank front desk: The bank front desk is the business system, and the business system is customer-oriented and customer-centric. The front desk is the department and personnel responsible for business development and directly facing customers, providing customers with one-stop and all-round services.

As a customer of the bank, I often come into contact with tellers and relationship managers.

Lobby managers, all of whom are front desk positions: bank middle office.

The middle office is to analyze the macro market environment and internal resources, formulate various business development policies and strategies, provide professional management and guidance for the front office, and carry out risk control.

The middle office often includes risk management.

Credit management), planning and finance, product development, channel management, human resource management, strategic planning and other functions: bank back office: the back office is mainly the processing and support of business and transactions, as well as shared services, including accounting processing, IT support, call center, etc., and the center that centrally processes loan approval can also be included in the background category.

The back office is the bank's support and support department. The centralization of back-office operations and the sharing of services are an international trend. <>

In ** companies, the risk management and compliance department is considered the middle office, and some companies even put the accident rating, reward and punishment of the business department in the middle office department. In a bank, the front office of the bank is the operating system, and the operating system is customer-oriented and customer-centric. As a customer of the bank, the tellers, relationship managers, and lobby managers that you often come into contact with are all front desk positions.

The middle office of the bank is to analyze the macro market environment and internal resources, formulate various business development policies and strategies, provide professional management and guidance for the front office, and carry out risk control. The middle office often includes functions such as risk management (credit management), planning and finance, product development, channel management, human resource management, and strategic planning. The back office of the bank is mainly the processing and support of business and transactions, as well as shared services, including accounting processing, IT support, call center, etc., and the center that centralizes the processing of loan approval can also be included in the scope of the back office.

Most of the middle and back office positions in the bank are service positions, helping a customer to handle some amateur business. The specific work of the back office position in each bank should be different, but the nature should be similar.

Most of the background work is not difficult, the rules and regulations are perfect, according to the rules, it is a big deal to learn some product knowledge, a little learning will be, basically do not need to go out marketing, most of the positions belong to the senior miscellaneous, more professional positions are risk control and product managers, if there is a relationship, there is no need for experience, see more projects will be, each bank in the back office to do things are different, not so the same.

I think it's different, the teller position of the bank is divided into the front teller and the back teller, and the back office teller of each bank does not necessarily do the same work, but basically the same thing, that's the thing. The main work of the front desk teller is some basic counter business such as cash receipt and payment, fund transfer, loan payment, account opening, etc., mainly cash business. The back-office work is mainly non-cash business, and some accounting processing is carried out.

The first is the transfer of checks, the second is the inquiry and review of electronic remittances, the third is the management of bank acceptance bills, the binding of 40 accounting files, and the fifth is the end of many months and the beginning of the month, the end of the quarter and the beginning of the quarter The statements need the teller to calculate and provide relevant data.

What do middle and back office positions do in a bank? Do middle and back office positions in each bank do the same thing?

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The teller position of the bank is divided into the front teller and the back teller, and the middle and back office positions of each bank do not exactly the same, and the teller positions of the bank are divided into the front desk teller and the back office teller, and the back office tellers of each bank do not necessarily do exactly the same work, but basically the same thing, that is. The main key work of the front desk teller is cash receipt and payment, fund transfer, loan payment, account opening and other basic counter business, mainly cash business. The back-office work is mainly non-cash business, and some accounting processing is carried out.

The front desk is directly facing the customer: there is a teller at the counter, there is an account manager, a wealth manager, a lobby manager.

The middle and back office is to provide services to the front desk and to authorize and supervise: there is a counter supervisor, a supervisor among account managers.

The back office is the staff and leaders of the management department: there are the staff of each department of the branch, the department president, and the president.

The so-called front desk is those employees who directly face customers, they only do some simple deposit and withdrawal business, collection and payment business, etc., and those accounting work are done by back-office employees.

1) Front Desk Marketing Department: Sales Department, Personal and Private Business Department, Corporate Business Department, E-Banking Department.

2) Middle office risk control department: risk management department, audit and audit department, supervision and security department.

3) Back-end comprehensive management department: comprehensive management department, human resources department, financial accounting department.

The main responsibilities of the department.

1) Sales Department.

1. Responsible for handling the external business of the head office;

2. Responsible for handling the adjustment of cash balance and deficiency in the Bank;

3. Responsible for the data sending and receiving, fund settlement, large-value payment system business and intra-city clearing of the national and provincial special electronic exchange business;

4. In conjunction with relevant departments, launch new products and new business pilots, and assist in the promotion and training of new products.

5. Formulate relevant systems and operating procedures for capital operation, be responsible for the management of capital operation of the whole bank, and maintain an appropriate reserve ratio;

6. Responsible for the adjustment of internal fund interest rate;

7. Responsible for capital lending, re-lending, discounting, re-discounting, re-discounting, etc.;

8. Responsible for interbank storage and interbank management;

9. Responsible for the analysis of the bond market, formulate the bond market business development plan, and organize the implementation;

10. Responsible for establishing and improving the capital transaction business account, and regularly reconcile the bond balance with the financial accounting department;

11. Responsible for the financing business between development banks, insurance companies, ** companies, ** companies and other peers.

Corporate Business Department.

1. Responsible for the collection, collation and analysis of corporate business information of the whole bank, and formulate the corporate business development plan and marketing strategy of the whole bank;

2. Responsible for organizing and carrying out the marketing of the company's customers and coordinating the joint marketing of the company's customers in the sub-branch;

3.Responsible for the integration and innovation of the company's business products, and the planning and promotion of product brands.

4. Organize the training of the company's account manager in conjunction with relevant departments;

Rely on the relationship in the background is good, the front desk of this task and that task, still on duty at noon, on holidays and holidays, a few days off the backstage, a lot of salary. The background is related to the speed.

Of course the background is good. There are no tasks, no indicators, and you can still get the bonus close to it, but you will be deducted because you haven't completed all kinds of things. You can also yell at grassroots employees. Enjoy the results of the front line and scold the employees on the front line.

Bank? Who still works in the bank now? Do you know that there is a term for 'financial migrant workers'? Unless it is an executive, it is too difficult for ordinary staff, all kinds of tasks, card application, deposit, intermediate business, selling insurance, etc., all kinds of asking for people, and the pressure is too great.

How can you grow your business without front-end and back-office collaboration? Banks should not be artificially hierarchical! It's called discriminating against employees!

None of them are good, but it's hard to find a job. It is said that 20% of the undergraduate students are sent by couriers

It depends on the practitioner's education, ability, understanding and experience.

Business outlets: branch presidents, financial managers.

Teller, Lobby Manager, Personal Loan Account Manager, Sales Supervisor.

Retail Banking Department: Business Management Position, Community Banking Business Promotion Position, Personal Loan Product Management Position, Personal Financial Product Management Position, Marketing and Channel Manager.

Private Banking: Channel Development Specialist, Marketing & Strategy Analyst, Product Manager, Team Leader, Wealth Advisor.

Civilian work. Enter customer information.

Generally suitable for girls.