In 20XX, I was appointed by the municipal bank to XX Road Sub-branch as the accountant and compliance supervisor. Since taking office, he has led all accountants in Gongren Road Sub-branch to strengthen internal control accounting, conduct internal risk investigation, carry out staff training and do a good job in counter service. In the work, adhere to the organic combination of accounting, service and marketing, implement the relevant system of the municipal bank, and ensure the orderly operation of the front desk work of the branch. The work of Gongren Road Sub-branch is summarized as follows:

I. Quality of Accounting Work

1. Adhere to the daily, weekly, ten-day, monthly and semi-annual inspections according to the unified requirements of the accounting and settlement department, earnestly perform the daily inspection duties of basic accounting standards, and do a good job of internal control and self-inspection according to the inspection plan and the inspection requirements of the municipal bank. Carry out important goods management, seal management, database inquiry, telephone recording management, accounting file management, company account information, personal expense account information, inquiry and reply, loss reporting business, online banking business, collection business, counterfeit currency collection, printing of various materials, personal deposit certificate, confirmation letter, company credit certificate, agency business, credit fund flow, wealth management business, implementation of large payment verification system, and anti-money laundering work.

2. Improve accounting quality. At present, there are 1 1 tellers at the front desk. Three of them have been employed for less than a year, of which teller XX just joined the company at the end of June, and teller XX just engaged in company business at the end of February due to transfer. At work, I took the old teller to help the new teller look at the tickets in the early stage. After getting familiar with the business in the later stage, the new teller looked at each other's tickets, which not only reduced the error rate, but also learned new business from others' subpoenas. In the second quarter, eight tellers made zero errors, which greatly improved the accounting quality of tellers and ensured the healthy development of branch business.

Second, staff management and training

1.At the end of July, the company's accounting teller XX was transferred to XX Road Sub-branch, teller XX was transferred to our bank from XX Road Sub-branch, and teller XX was transferred from savings teller to accounting counter. A series of adjustments have a great influence on the teller's psychology and his mood is unstable. In view of this situation, I communicated with the tellers one by one in time. Through our joint efforts, tellers have been able to master job skills and achieve a smooth business transition.

2. As the general tellers have not been employed for a long time and their awareness of operational risks is relatively weak, I took advantage of the opportunity of holding a counter compliance operation competition by the accounting department of the municipal bank, combined with the annual activities of compliance enforcement, and led the tellers to learn various accounting settlement systems, accounting risk management and related operational process requirements formulated by provincial and municipal banks through various forms such as leadership lectures, discussions and questions. In addition, we focused on the contents of "Guidelines for the Management of Banking Counter Operation Risk in XXXXXXXXX City" and the question bank of banking counter operation risk, publicized the operational risk prevention for employees, greatly improved the operational risk awareness of tellers, and the branch won the third prize in the XXXXXXXXX Banking Counter Compliance Operation Competition in the quarter of 20XX.

3. In terms of business training, I actively organized front desk tellers to learn business knowledge, held business training activities internally, and actively mobilized everyone's subjective initiative. In the second quarter, the study task is heavy, and in the third quarter, there are accounting certificate exams, anti-counterfeiting exams and theoretical knowledge exams. In the second quarter, our bank added two tellers to obtain accounting certificates and one teller obtained anti-counterfeiting qualification certificate. Through the joint efforts of me and the branch tellers, the branch won the first place in the theoretical examination in the second quarter.

Three. Anti-money laundering work

1. Strengthen anti-money laundering internal control management. Strict requirements are put forward from the aspects of anti-money laundering internal control system construction, due diligence, data reporting quality, customer information and transaction records preservation, training system and publicity.

2. Designate a special person to be responsible for the storage and sorting of personal account opening information, and timely save the personal account opening risk rating in separate folders as anti-money laundering information. Do a good job in the management of temporary id card and the upcoming ID cards, prepare the forms of temporary id card and the upcoming ID cards, contact customers in time, and improve the follow-up procedures.

3. Submit the customer money laundering risk classification report and off-site supervision analysis report in the second quarter of 20XX to the anti-money laundering office of the municipal bank. In the second quarter, 57 corporate customers and 3,579 private customers were added.

Four. Other major tasks

1. Supplementary Rules for the Implementation of Performance Appraisal of Front Desk Tellers of Gongren Road Sub-branch.

2. Timely and accurately submit the statements of banks in the same city.

3. Cooperate with the accounting department to conduct accounting check in the second quarter and report the rectification report in time.

4. Organize quarterly risk analysis meetings of branches and submit risk analysis reports.

5, cooperate with the city management department to check.

Problems with verbs (abbreviation of verb);

First of all, the management level needs to be further improved, and the perspective should be changed to look at and solve problems from the perspective of a grassroots manager; Moreover, the business level needs to be further improved, and the accounting and compliance supervisor needs to master more comprehensive and detailed business knowledge.

All these require me to learn more, ask more questions, summarize more, improve and perfect seriously in my future work, perform my duties in strict accordance with the requirements of the municipal bank and the terms of reference of the appointed accounting supervisor, and strive to do all the work assigned by the branch.

The next work plan of intransitive verbs:

1. Further sort out and standardize the basic accounting management, and lay a solid foundation for the accounting management of sub-branches.

2. Do the daily inspection work of the accounting supervisor on time, and find and rectify the problems in the work as early as possible.

3. Strengthen personnel management, continue to strengthen teller training, and carry out basic accounting training for tellers in combination with the rules and regulations of the Head Office, so as to further improve the efficiency and professional quality of tellers and actively create a good working atmosphere for everyone.

4. Strengthen the moral hazard warning education for tellers, so that every teller can tighten the string of risks and never slack off, and put an end to potential risks.

extreme

The first half year of 20XX has passed. Looking back on my work in the past six months, under the strong support of the superior bank and the correct leadership of the bank's leaders, I can work hard, be pragmatic and innovative, conscientiously study and implement the central spirit, firmly establish and implement the Scientific Outlook on Development, implement a prudent monetary and credit policy around the goal of striving for Excellence, actively carry out activities to safeguard financial claims and create financial security zones, deepen accounting reform, pay close attention to infrastructure construction, standardize business operations, strengthen supervision functions, and enhance risk prevention capabilities, especially in personal account identity information. At the same time, the bank's accounting work was successfully completed, and the accounting work of XX branch was comprehensively improved, which was affirmed by the superior bank and branches. I will summarize my work in the past year as follows:

First, correctly perform accounting duties and exercise authority.

Seriously study the national financial policies and laws, and be familiar with the financial system. Actively study accounting business, master professional knowledge and master accounting techniques and methods; Love one's job, be loyal to one's duties, be honest in performing official duties, and strictly observe professional ethics; Strictly abide by laws and regulations, adhere to principles, and implement relevant accounting regulations. Earnestly implement relevant national financial laws and regulations and various financial accounting rules and regulations and operating procedures of China Construction Bank, correctly organize accounting, examine and approve, authorize and sign important accounting matters, and successfully complete the accounting work of savings, accounting, foreign currency, credit card and house letter business throughout the year with the help and efforts of employees of the whole bank. Won XX in the standardized inspection and appraisal standard of XX project. According to the financial system and expenditure standards stipulated by the higher authorities, we should keep abreast of the capital demand and use of various departments and take the initiative to help relevant departments make good use of various funds.

Second, set an example, study hard and improve work efficiency.

In the year of 20XX, under the requirements and guidance of the president in charge and the accountant in charge, and in strict accordance with the requirements of the internal control system, we studied different business volumes and different types of post settings and labor combination forms, re-formulated and refined the responsibilities of accounting posts, tightened the operation process, and determined the corresponding responsibilities according to the business authority handled by different business personnel. At the same time, according to the requirements of the superior bank and the actual situation of our branches, we participated in the formulation of a series of rules and regulations such as cash management measures, cash management measures, securities business management measures, voucher binding management measures and accounting error assessment measures in the first half of the year. , further standardize the accounts of all branches, make our accounting procedures more rigorous, business procedures more safe and scientific, and achieve mutual restraint and clear responsibilities. Strengthen internal control and improve work efficiency. In daily work, through active observation and summary, problems and unreasonable places in business operation can be reported to the director and supervisor in time, and tellers and outlets can be reminded in time to play a warning and suggestion role.

Third, the real verification of the identity information of existing personal accounts has been realized.

I know that "personal bank deposit account is the' money bag' of ordinary people, and whether cash deposit and withdrawal and transfer settlement are safe or not is related to the national economy and people's livelihood". Therefore, I have always paid attention to the real verification of the identity information of personal accounts in stock in my accounting work.

(a) to verify the key verification objects.

Mainly for the identity information of depositors and their agents in personal RMB bank deposit accounts opened before June 30th, 20XX, it has not been verified by the online verification citizenship information system (hereinafter referred to as the online verification system), or by the public security and other identity document issuing departments, or by the second-generation resident ID card reader; At the same time, the identity information of depositors and their agents in personal RMB bank deposit accounts opened after June 30th, 20XX, and the account opening certificate is a non-resident ID card. Complete the verification of personal RMB bank deposit accounts, including personal RMB bank settlement accounts, personal RMB current savings accounts, personal RMB time deposit accounts and personal RMB call deposit accounts.

(2) Do a good job in clearing the settlement account.

Actively cooperate with the People's Bank of China to promote the account management system, and timely input the customer information collected by the account manager into the People's Bank of China for examination and approval when the bank personnel are very nervous. By the end of June, there were 220 households whose customer information had been entered, approved or reported by the People's Bank of China, including basic account 150 households, 20 households with special accounts, 3 households with temporary accounts and 30 households with ordinary accounts. And fill in the progress report form of customer information collection and entry of RMB unit bank settlement account on time. Some measures have been taken for 120 accounts that are still in use without approval or filing by the People's Bank of China, and 60 of them have been sealed in the system.

(3) Register and update information in time.

When carrying out identity information verification and suspicious information verification, timely register the verification results, types of suspicious identity information, reasons for not being verified, etc. In the business system of the bank. If the depositor's account opening documents and contact information change during the verification process, the information recorded in the bank's system will be updated in time. Work is carried out according to the interface format of personal RMB bank deposit account declaration. After verification, restore the personal RMB bank deposit account information to the RMB bank settlement account management system for the record.

(4) Handling relevant accounts according to law.

If the original valid identity documents are not submitted for verification, the depositors who fail to submit the original valid identity documents for verification after the bank's notice time is over shall stop providing services according to their risk management requirements and the provisions of Paragraph 5 of Article 16 of the Anti-Money Laundering Law of People's Republic of China (PRC) and Paragraph 3 of Article 19 of the Measures for the Administration of Customer Identification and Customer Identity Information and Transaction Records of Financial Institutions. Measures were taken according to law, and the corresponding account processing, records and materials were properly preserved. At the same time, according to the requirements of relevant laws and regulations such as account management and anti-money laundering, all account information, identity information and account transaction information of depositors' accounts are filed and preserved.

In the past work, although some achievements have been made, they are not solid enough. We should study and study more seriously. In the future work, we should strengthen other aspects of learning, expand our knowledge and learn more about the banking industry, especially the accounting industry of other banks. In the future, I will continue to strive for perfection, constantly improve my ability to perform my duties, and strive to create a new situation in my work.

Tisso

Looking back on my work in the past year, under the strong support of the superior bank and the correct leadership of the bank's leaders, I was able to work hard, be pragmatic and innovative, focus on the work of the whole bank, deepen accounting reform, pay close attention to infrastructure construction, standardize business operations, strengthen supervision functions, strengthen personnel management and training, enhance risk prevention capabilities, and successfully complete various tasks throughout the year. The accounting work of Changqing Sub-branch has been improved in an all-round way, which has been affirmed by superior banks and sub-branches. I will summarize my work in the past year as follows:

Ideological aspect

I have good moral character and strong self-motivation. I began to accept the test of the party organization from XX, and made ideological reports to the party organization regularly. Be strict with yourself, be honest and self-disciplined, unite with leaders and colleagues, have strong team spirit and strong organization and coordination ability. Regardless of personal gains and losses, strong professionalism.

Learning aspect

I am diligent and eager to learn, and I can fully grasp all the counter business knowledge of XX Branch. Participated in the training class of provincial dcc lecturer group in 20XX, and was rated as an excellent student by the provincial bank. After the course, I and the other three * * * completed the training for the counter staff of XX Branch. It has made due contributions to the smooth online of dcc system. Individuals won the provincial data centralized project promotion project contribution award. I used my spare time to constantly recharge myself and took the XX International Certified Internal Auditor Qualification Examination 1 1.

Work aspects

As a manager, I can work hard with the person in charge of the branch, be pragmatic and innovative, focus on the central work of the whole bank, deepen accounting reform, pay close attention to infrastructure construction, standardize business operations, strengthen supervision functions, strengthen personnel management and training, enhance risk prevention ability, and successfully complete various tasks throughout the year. Refined management, humanized management, and reached a consensus with branch leaders: the ultimate goal of business development and risk prevention is the same, and standardized operation is the foundation, both for the steady development of CCB's business. Changqing Sub-branch successfully completed various tasks. In the comprehensive assessment of security bank construction in XX, it was recognized as one of the 15 A banks by the municipal branch, with an assessment score of 97.7, ranking first. The basic bank of accounting work was identified as one of the eight secondary banks by the municipal branch. From October to March in XX/KLOC, he won the second prize in the counter service competition of "Grasping service, building image and promoting marketing" held by the city branch. Details are as follows:

I. Accounting aspects

1. The appointed accounting supervisor can conscientiously implement the relevant national financial regulations and various financial accounting rules and regulations and operating procedures of CCB, correctly organize accounting, approve, authorize and sign important accounting matters, and successfully complete the accounting work of savings, accounting, foreign currency, credit card and house letter business throughout the year with the efforts of all employees of the Bank.

2, pay close attention to the standardization of basic accounting work, and urge the outlets to check and implement item by item according to the "Accounting Basic Work Grade Acceptance Scoring Standard".

In order to successfully achieve the goal of upgrading to the second level, Changqing Sub-branch organized counter staff to learn "Standards for Acceptance and Scoring of Basic Accounting Work Levels" and "Acceptance Rules for Basic Accounting Work Levels" for many times, strengthened their awareness of upgrading the basic accounting work standards, and organized counter staff to work overtime to rectify existing problems. And organized counter personnel to participate in the banknote counting test and the basic knowledge test of counter service for many times, and finally reached 90 points according to the "Accounting Basic Work Grade Acceptance Scoring Standard" and submitted it to the superior bank in time. In the fourth quarter, after inspection and acceptance by the accounting and settlement department of the branch, the basic accounting work reached Grade II.

Second, accounting internal control

The designated accounting supervisor is responsible for organizing the daily inspection of accounting check and the database, checking the database once every ten days and conducting a comprehensive inspection once a month, and conducting daily inspection and guidance on the audit work. Focus on strengthening management in the following four aspects: (1) Strengthening authorization management. The person in charge of the supervision network and the business supervisor shall, in strict accordance with the provisions of the accounting system, do a good job in authorizing important accounting business and large-sum receipt and payment business. Before authorization or signature, the business and related documents must be strictly examined. Strengthen the management of authorization cards and operating passwords, and modify passwords regularly to prevent authorization cards from being stolen or lent to others and passwords from being leaked. (2) Strengthen the management of cash and important vouchers. Implement the rules and regulations such as counting the cash and important documents of all tellers at the end of the day, double-locking the trunk, double-taking and double-putting, handover, strict approval and filing of abnormal cash payment. (3) Strengthen the inspection and monitoring of the company's time deposits, margin deposits, acceptance bills and bank drafts. (4) Strengthen the control of key businesses and key links. Such as banking, acceptance, discount, personal loans, capital accounts and other business management, strictly implement the double-fold angle inspection system. (5) Strengthen the management of self-service equipment. Adhere to the daily double-machine cleaning system, deal with long and short orders in time, and eliminate equipment failures at any time to ensure that the equipment operation rate is above 95%.

Third, the counter staff.

1. In order to effectively improve the working enthusiasm of accountants, enhance their consciousness of obeying rules and disciplines, and solve the problems of irregular and illegal operations in the process of accounting management and internal control, XX Sub-branch formulated the Accounting Quality Assessment Method for Accountants at the beginning of the year. Subsequently, the branch successively issued the Accounting Quality Performance Appraisal Standard of XX Branch, the Performance Appraisal Standard of Counter Quality Service of XX Branch and the Measures for the Management of Employees' Violation Points of XX Branch, and XX Branch also formulated the Performance Appraisal Measures of XX Branch and the Measures for the Assessment of Employees' Business Volume. XX Sub-branch shall, in strict accordance with the requirements of the above documents, assess and report the work quality of counter personnel every month.

2. According to the spirit of the Notice on Relevant Matters Concerning the Implementation of Flexible Working System in Business Outlets (Guo Han XX[20xx]3xx), in order to improve the working efficiency of counters, expand the capacity of outlets to accommodate customers, improve the service quality of counters, and implement the service concept of "taking customers as the center", the Municipal Branch decided to implement flexible working system in all business outlets. The bank strictly implements the flexible working system, breaks the traditional shift mode, flexibly adjusts the window settings according to the distribution of business volume, taps the working potential of counter staff, enhances the service capacity of business windows, and slows down the queuing phenomenon of customers. During the peak business hours, the Bank's external window was increased from 8 groups to 1 1 group, which ensured the healthy and stable development of the Bank's business.

Fourth, attach great importance to it, clarify responsibilities, and go all out to successfully complete the dcc online work.

This year's dcc online works are overwhelming. Especially in the first and second quarters, it is a critical period for dcc business simulation exercise and online switching. In order to ensure foolproof, successful opening and closing and timely opening, our specific measures are as follows:

1 and 1-2 for two months, the data cleaning, supplementary recording and checking of urban comprehensive network have been done well. We worked overtime to supplement nearly 1500 pieces of customer information, which laid the foundation for the accurate transformation of customer information.

2. In the first quarter, the bank reasonably arranged tellers to be on duty, and 265,438+0 tellers attended dcc training courses successively, of which 2 tellers were rated as excellent students. After the training, a feasible study plan was made for online training. Since March, online operation has been carried out every night to digest the theoretical knowledge in closed training through practice. All employees have fully completed the online examination and evaluation requirements issued by the municipal bank.

3. Our bank deeply realized the importance of doing a good job in the simulation exercise for all employees, and held a general meeting to mobilize all employees' thoughts, asking each employee to go all out to fight the hard battle of the simulation exercise. The result is satisfactory. Not only did the six rounds of drills be completed with good quality and quantity, but the drills were also among the best, among which the trading volume and trading code of the third and fourth rounds of drills were the first in the province.

4. Do a good job of informing customers in advance, and deliver the customer notice to customers before May 15, which laid the foundation for the smooth launch.

Five, to carry out the whole bank counter service competition labor competition activities.

According to the spirit of the Notice of XX Letter [20xx] 1xx, a bank-wide counter service competition was held from August 1 day to1mid-October 165438 with the theme of "improving employees' skills and providing quality services". By participating in this activity, employees' enthusiasm can be mobilized, their operational skills and service level can be strengthened, and the service quality, service efficiency and service quality of the counter can be comprehensively improved, the core competitiveness of employees can be enhanced, and the rapid development of business can be promoted.

In August, the Bank carefully organized and arranged according to the competition plan, paid close attention to training, and comprehensively improved its marketing knowledge, business knowledge and operational skills. First of all, comprehensive training to expand the knowledge of employees. The Bank organized five intensive trainings on accounting business, service etiquette, dcc system transaction coding, banknote counting, counter service skills and marketing knowledge. Secondly, intensive training has significantly improved the computer operation and money counter speed of most employees, accelerated the business handling speed, shortened the waiting time of customers and effectively improved the efficiency of counter service. Finally, conduct a comprehensive test and competition for all employees to improve the comprehensive quality of counter staff. Through this training, employees' product marketing skills, counter trading business skills and computer operation skills have been strengthened. The Bank has formulated the implementation plan and detailed rules for counter service, as well as the supervision plan for counter service, and set up a customer complaint suggestion book, which has carried out detailed implementation of service place, service image, language specification and service inspection.

In short, as can be seen from the suggestion book, customers are more sure. First-class equipment, first-class service, civilized language and smiling service have gradually become natural, and there has not been an effective complaint. And won the second prize in the counter service competition of "Grasping Service, Building Image and Promoting Marketing" held by the city branch from October 20XX/kloc-0 to March 20XX, all of which marked that the counter business of our bank has stepped onto a new level.

Six, do a good job in clearing the settlement account.

In order to cooperate with XX Bank in the promotion of account management system, we arranged a special person to take charge of this work under the condition of very tight personnel, and timely entered the customer information collected by the account manager and reported it to the People's Bank of China for approval. By the end of 65438+February, China People's Bank had entered and approved or reported customer information to 225 households, including basic deposit account 170 households, 30 households with special accounts, 3 households with temporary accounts and 22 households with general accounts. The People's Bank of China has approved 153 households, including basic households 1 15 households and 3 temporary households. And fill in the Progress Report on Customer Information Collection and Entry of RMB Unit Bank Settlement Account and the Weekly Report on Clearing and Promoting Account Management System of XX Bank Bank Settlement Account on time. Fixed measures were taken for 130 accounts that were still in use without approval or filing by the People's Bank of China. Among them, 8 1 accounts were "sealed" in the system, and 29 accounts with high balances were reported to the Municipal Branch for assistance.

VII. Carry out customer reconciliation in an all-round way.

In order to effectively prevent accounting risks, strengthen reconciliation, and establish the concept that reconciliation is a major event of the whole bank, the accounting supervisor is appointed to make necessary adjustments to the division of accounting personnel. In order to clarify the responsibilities and facilitate the assessment of the reconciliation progress, the bank divides the reconciliation personnel into three groups, each of which consists of a counter opener and a branch account manager. At the same time, according to the customer's original industry and unit, all accounts are subdivided into three groups, and a detailed list is printed out, so that each account has corresponding responsible personnel. Because the task was assigned to someone and there was pressure, the employees took active action the next day. Before the formal reconciliation, we made full preparations for overtime, and bound together the previously unreconciled statements, interest list, annual fee bill and receipt with the June statement, and bound together the statements of multiple accounts opened by the same company or statements of multiple affiliated companies. Our bank divides the reconciliation work into three stages. In the first stage, it mainly focuses on counter reconciliation. For customers who come to the open counter to handle business, the counter reconciliation will be carried out at that time, or the bill will be signed back. For customers who don't often come to the counter to handle business, the account manager will deliver the statement at home. In the second stage, the teller and the account manager call the company according to the contact information on the seal card. For customers who don't handle business frequently, tellers and account managers will notify and record them one by one. If there is no reconciliation the next day, we will inform them for the second time and the third time until the reconciliation is completed. The third stage is mainly aimed at those customers who can't contact without calling, and the lobby manager of our bank will personally come to the door to check the accounts. Due to the large-scale reconciliation in the first and second stages, the remaining accounts are small and fixed, and because most of the phones left after opening an account are turned off or empty, it is difficult to reconcile. The VIP manager of our bank overcame the hot weather of hot summer and high temperature, and according to the clues left by customers before, he ran all over the streets of XX under the scorching sun. Results By the end of July, 309 statements in June had been restored, and the completion rate was 100%.

In order to cooperate with the use of the centralized reconciliation system of provincial banks, the customer information of more than 400 corporate customers was comprehensively cleaned up, and the company address and zip code were registered in detail.

Eight, strengthen the "firewall" role of accounting audit.

After dcc goes online, in the first month or two, the business supervisor only plays the role of voucher binder, which has great potential risks. Therefore, according to the actual situation, the Bank has formulated the accounting audit management measures for sub-branches, standardized the audit content, defined the responsible person, optimized the audit log, strengthened the audit work, strengthened the accounting supervision, corrected the problems found in the audit in time, and effectively prevented accounting risks.

Nine, strengthen the management of self-service equipment, improve the man-machine replacement rate.

Because the bank is located in the commercial center, it has a large floating population and a complex customer base. Many customers don't want to use self-service equipment, but prefer to line up at the counter. In view of this phenomenon, our bank arranges account managers and lobby managers every day, and even requires tellers to personally guide customers to divert and teach customers how to use self-service equipment. In just a few months, the utilization rate of self-service equipment in our bank has increased month by month, and the man-machine replacement rate is among the best.