S. Tobias Matthews

Key functions of the Treasury Department

v Financial instruments trading/ dealing to generate income for the company while actively promoting the development of money market operations in the financial sector in Liberia

v Sales and customer service

v Treasury risk management

v Front office operations, internal and regulatory reporting

v Stakeholder management in the money market

v Treasury/ dealing staff training, mentoring and development

Key responsibilities of the Treasury manager

v Based in Monrovia, Liberia and reporting to the Chief Executive Officer, responsible for managing the company’s Treasury Department as a strategic business unit which operates as a key profit center for the company.

v Stakeholder management in the money market and the financial sector

v Responsible for a young and dynamic team of dealers in the management of the trading and investments desk.

v Designing of treasury strategies, products, services aimed at growing the customer base and business

v Making calls, presentations or visits to clients to be able to secure new business and retain existing business to meet agreed targets.

v Designing and implementation of trading policies, practices and procedures with a view of enhancing efficiency and risk management.

v Strategic, trading and operational risk management of all relevant risks handled by the company’s treasury department.

v Managing the key risks associated with the operating environment including ensuring that the company complies with all the relevant regulatory requirements.

v Research and analysis of key economic and financial sector developments that lead to the harnessing and nurturing of business opportunities for the benefit of the company, clients and other key stakeholders.

• Plan, organize, direct, coordinate and control within the country subsidiary the functions of Risk Measurement, Reporting Monitoring and Control of the Treasury & Securities Department in line with the group’s business goals, objectives and divisional strategy
• Monitor compliance with the set limits for Dealers, Obligors, Products and other precautionary limits such as Balance Sheet Triggers within the region
• Obtain sufficient information on regular basis to assess all the market risk exposures through standardized reporting formats from the business unit
• Development of Hedge products for the subsidiary and its customers
• Maximize return on investments by exploring available instruments that are within the Bank’s risk exposure guidelines
• Meet customers’ foreign exchange requirements by providing a competitive price and excellent service
• Exchange Income Generation from FX trading
• Currency Trading on Account of the bank’s Customers
• Develop and Implement an Effective Liquidity Management Strategy
• Maximize the yield from the subsidiary’s balance sheet
• Establish procedure for monitoring risks, ensure adherence to delegated/approved limits, for liquidity credit and market risk parameters and proper risk reporting
• Structure interest rate risk to protect the bank earnings against adverse rate movements, while exploiting profit opportunities incurring acceptable risk
• Build and maintain a foreign currency sales capability to service bank customer needs efficiently and profitability
• Direct the management of foreign currency positions to protect bank earnings against adverse rate fluctuations, while purchasing bank and customer currency needs in efficient amounts to acceptable rates
• Implement and monitor Assets Liabilities Committee directives
• Maintain prudent liquidity in support of bank business needs, while investing excess funds effectively and profitably
• Develop two-way market capabilities for the affiliate to facilitate funding flexibility
• Ensure that all aspects of Treasury are conducted within the letter of all applicable laws, regulations and procedures within the region
• Maintain a healthy working environment that is conducive to higher productivity
• Continuously explore ways to maximize employee benefits with least costs
• Balance sheet management
• Liquidity management
• Deepening existing business relationships
• Maintaining good working relationship with other banks, and proactively represent the Bank
• Monitor and ensure that all Treasury activities are done based on the approved procedures

• Ensure processes for monitoring budget are monitor and properly implemented
• Ensure financial records are maintained in compliance with the Bank/s accepted policies and procedures
• Implements the approved procedure for management and reporting of journal entries for the different managed portfolios of the organization
• Responsible for partnering with the investment department in the investment of company funds
• Constant review of the expense, revenue and other component of the annual budget to determine the accurate financial position at all times
• Responsible for preparing all financial regulatory reports in the county office

• Provide value-added strategy and decision support to business unites and brokerage services between HCM functional areas on behalf of staff and each back
• Assist in managing the human resources registry to enhance efficiency, assist in processing & concluding the recruitment process for new hires
• Responsible for all Funds Transfer, Branch Clearing related activities, Investment Transactions & Facilities (Loan) Processing
• Ensure prompt processing of customers’ instructions in line with approved TAT
• Ensure maintenance and effective utilization of physical assets and resources (adding machines, workstations, stamps, till boxes etc
• Ensure up to date filing/safe keeping of deal slips (both open & liquidated)
• Ensure investment certificates are provided timely to the customers in line with approved TAT
• Maintenance of up to date records of investment/loan transactions processed at the branch
• Ensure loan disbursement is done in line with the banks policies and charges are taken for bona fide customers’ transactions processed
• Ensure timely and accurate proofing of internal accounts
• Ensure that clearing instruments received at the branch are scheduled and photocopied prior to dispatch to the clearing center at head office

• Coordinate cash activities with a view to ensuring timely processing of transactions over the counter
• Ensure adequate controls are maintained in transaction processing in order to minimize the risk of losses from frauds and robberies
• Ensure courteous disposition of Tellers and having sound knowledge of tellering policies and procedures
• Sound knowledge of tellering policies and procedures
• Efficient supervision of all tellering activities
• Ensure prompt and accurate consummation of all transactions within the bank’s approved turnaround time
• Efficient management of cash holding and vault administration
• Ensure availability and workability of working tools for tellers
• Authorize all cash transactions above tellers’ limits
• Constant review of teller’s payout limit, taking into cognizance the tellers error rates
• Provide effective service support need for the tellers to ensure that teller cubicles are manned and functional at all times
• Ensure that branch ATMs are functional at all times and that the ATM does not run out of cash
• Ensure that transaction vouchers are called over after the close of business daily
• Conduct Integrity tests on a regular basis
• Maintenance of up-to-date cash tellers’ proofs and vault registers
• Efficient crowd management in the banking hall

• To maintain contact with new and existing customers on routine account management activities
• To ensure proper documentation for all new and existing accounts
• To provide customers with information and awareness on the Bank’s product and services
• Ensure effective and timely service delivery to customers at all customer service unit
• Ensure a customer friendly disposition at all times
• Review account opening documents and ensure timely opening of the account on the system for all requests with required documents or with the appropriate deferrals
• Ensure prompt turnaround time in line with service level
• Ensure timely preparation and rendition of reports to internal and external parties as required from time to time
• Timely acknowledgement of MICR cheque issued on the system
• Processing customers’ cheque and card requests, including ultimate delivery to the customer
• Account management and reactivation
• Ensure timely and accurate processing of standing instructions
• Print off-cycle customers’ statement for properly authorized requests and ensure charges are taken
• Ensure effective utilization of physical assets at the customer service unit (file cabinets, till boxes ete)
• Maintenance of up-to-date registers for customers’ transactions and instructions as required under the existing policies and procedures
• Ensure adequate controls over customer records
• Ensure zero fraud tolerance/ error rates
• Timely rendition of statement of account to customers

• To ensure that cash payments are promptly & efficiently effected while ensuring that the Bank’s turnaround time is maintained and ensure that while in the course of carrying out daily function that the Bank does not experience losses
• Payment of customers on request
• Ensure proper and accurate balancing of cash transactions on a daily basis
• Ensure a customer friendly disposition at all times
• Ensure maintenance and effective utilization of physical assets
• Franchise collection
• Any other duties as assigned by the Cash Officer/BOM

• Supervise the entire institution activities and work force
• Prepare monthly report for partners
• Formulate, analyze and monitor the implementation of sales operations
• Stimulate employees for efficient and effective routine operations for the general good of profit maximization
• Efficiently and effectively controlling policy plans and actualizing implementation relative to meeting the objective of organizational goals
• Prepare monthly financial report, payroll, daily sale transaction records, filling supply orders and general banking operations
• Carries out other duties deems if necessary by the Chief Executive Officer

• Supervise all skilled trainers at various sites in and around Monrovia
• Recruit and organize unskilled and illiterate women for training
• Organize Health Club Organizations in various High School in and around Monrovia
• Conduct HIV/AIDS workshop at various training centers and health clubs

• Receive payment from customers and providing the right change
• To process sales quickly and courteously
• Record transaction on source documents
• Assist customer type and send emails
• Assist in the general maintenance of the café computers and other equipment

• Handle cash directly from sale transactions with customers
• Prepare daily sales report and turn over cash from sales to the Station Manager
• Enter required data regarding received and issued gasoline and diesel
• Keep accurate records of all receipts and issuances of gasoline and diesel
• Monitor stock level of the petroleum products at the station from tank dip and meter reading
• Compile the daily gasoline and diesel balance sheet
• Check the functionality of all pumping equipment
• Carries out other tasks as deem it necessary by Station Manager