Murni Mukhtar

Lead a business development and management function for gold account investment, which involves sales and training, and exploring new products and initiatives for business growth to achieve targeted fee-based income and business objectives.

Directly involve and assist in developing new and enhancing an existing product. Develop marketing plans and strategies to be implemented, while ensuring growth of the product within the Bank.

Assist and lead the sales team to achieve the assigned sales revenue and customer acquisitions.

Manage relationships with providers, business partners, or other external experts to secure the best terms for the Bank.

Ensure sales staff are fully complying with the laid-down processes and procedures, and most importantly, compliance with BNM requirements.

• Perform and execute daily operations of Wealth Management Division to ensure a division operational goals are met
• Establish and maintain good relationship with other Department, branches and units to ensure operational functions are achieved
• Review and evaluate the work processes to ensure that the processes are able to support and assist the department/ branch in carrying out the tasks
• Prepare and provide the necessary data/ reports for performance monitoring and sales incentive purposes
• Ensure the preparation of the necessary reports to the regulatory bodies; BNM, FIMM, SC are delivered in stipulated time
• Ensure that all activities are carried out efficiently and in compliance with all applicable Acts, laws and guidelines set by the Authorities
• Ensure smooth flow of operation in all related processess and in compliance with all guidelines, policies and procedures issued by the Bank and BNM
• Ensure that WM Operations staff perform their duties and responsibilities with integrity, proactive and consistently adhere to the policies and regulations set forth.

• Engage product suppliers to acquire whole range of product suites, specifically to Unit Trust fund houses and Takaful provider
• Engage across business unit especially distribution pertaining to product proposition
• Engage and consult product team in performing a new product for approval by Approval Authority
• Engage prospective product supplier and prepare the necessary on-boarding process (please make reference to business function in regards to on-boarding process)
• Engage strategic team in acquiring business approval for on-boarding new product supplier in performing new product supplier approval by respective stakeholders i.e
• Management Committee
• Conduct a Due Diligence of the company with the following criteria for all businesses i.e
• New Unit Trust supplier, BancaTakaful supplier or Gold supplier
• Involve in the followings areas as part of business development; Sales support – provide joint product training with product supplier to the frontline for new product, refresher training and licensing the sales staff
• Launch sales campaign for certain duration to drive sales momentum
• Ensure reporting are in place with the engagement of product supplier to relevant stakeholders i.e
• Wealth Management Operation team and Business Finance and Analytic team.

• Ensure branch operation and services at Affluent Centre especially at the counter for daily transactions and back room are efficient
• Ensure a high service standard and meet customer service quality expectation
• Worked with customers on a daily basis, meeting their banking needs and either answering or referring their financial questions to the appropriate supervisory individuals
• Handles various accounting transactions and reconciliation tasks
• Train and supervise new hires
• Monitor cash holding limit for the branch
• Loading and unloading cash ATM
• Ensure regulatory requirements such as Anti Money Laundering Act (AMLA) and bank of secrecy under Bank And financial Institution Act (BAFIA) are adhere to
• Execute the assignment given by Branch Manager or Relations Manager from time to time
• Furnish leads and referrals to the team members (small target on wealth products).

• Ensure the individual sales target for all financing products, Wealth Management products and Deposits (CASA) are met
• Assist and monitor Sales Executive in meeting Branch monthly target
• Execute the assignment given by Branch Manager or Relations Manager from time to time
• Process all financing applications and submit via system to Credit Centre for decisions and approval
• Establish and solicit new business for Branch
• Maintain good relationship with customers by providing high standard of service at all times
• Participate in marketing campaign and activities to expand market reach
• Furnish leads and referrals to the team members or other units/department for products that are not within the scope i.e SME Banking, Trade Finance
• Monitor loan repayment activities and actively follow up on customer’s loan status
• Develop and build long term business relationship with customers
• Partly involved in Branch daily operations.

• Ensure the branch operation and services especially at the counter for daily transactions and back room are efficient
• Ensure a high service standard and meet customer service quality expectation
• Worked with customers on a daily basis, meeting their banking needs and either answering or referring their financial questions to the appropriate supervisory individuals -Handles various accounting transactions and reconciliation tasks
• Train and supervise new hires
• Monitor cash holding limit for the branch
• Loading and unloading cash ATM
• Ensure regulatory requirements such as Anti Money Laundering Act (AMLA) and bank of secrecy under Bank And financial Institution Act (BAFIA) are adhere to.

• Support back room functions including transactional processing/posting such as filling, batching of documents for maintenance, retrieval and filling of documents, and other tasks assigned by the Manager
• Worked with customers on a daily basis, meeting their banking needs
• Accepted and processed customer deposits and loan payments
• Sell official instruments including cashiers order or bank draft
• Uncovered customers’ needs beyond the immediate transactions and successfully transitioned the customer to the appropriate source to address the need
• Secured the financial institution nightly responded to customer inquiries regarding account balances
• Handles various accounting transactions and reconciliation tasks
• Provide account status data whenever requires and handle phone enquiries
• Ensure regulatory requirements such as Anti Money Laundering Act (AMLA) and bank of secrecy under Bank And financial Institution Act (BAFIA) adhere to.