• Collecting, interpreting, and reviewing financial information
• Predicting future financial trends
• Reporting to management and stakeholders, and providing advice how the company and future business decisions might be impacted
• Producing financial reports related to budgets, account payables, account receivables, expenses etc.
• Developing long-term business plans based on these reports
• Reviewing, monitoring, and managing budgets
• Developing strategies that work to minimize financial risk
• Prepare business activity reports, financial statements, and forecasts.
• Make sure financial legal requirements are met.
• Developing financial reporting systems.
• Find ways to reduce or maintain costs by studying financial reports and business processes.
• Analyze market trends to discover business opportunities and maximize profits.
• Aid management in financial decisions.
• Maintain up to date financial system knowledge.
• Analyzes revenue, expenses, cash flows, and balance sheets.
• Assists management to make financial decisions.
• Other tasks assign by direct manager.

• Assist Supervisor or Senior Manager, Compliance in developing and updating policy, procedure and guidelines to make sure those tools are working properly and compliant with compliant requirements/law/prakas/regulations;
• Keep up to date with and inform staff and managers about changes in compliant prakas, law and regulations and integrate those changes into compliance tools and new business activities so that Amret remains compliant with mandatory requirements;
• Provide and/or refresh training and coaching on compliance policy and procedure so that they are properly understood and applied by all operators;
• Update the AML/CFT blacklist and ensure staff cross-check the names of new clients against the blacklist;
• Review business requirements and enhance report on cash transaction reports (CTR), suspicious transaction reports (STR), and other reports requested by regulators;
• Update high-risk businesses/occupations and countries listed by UN, EU, OFAC and other sources to all staff;
• Other AML/CFT projects required by NBC and other competent authorities;
• Review AML/CFT and implement know-your-customer (KYC) due diligence practices to make sure correspondent banks are not exposed to the threat of money laundering and terrorist financing;
• Regulatory monitor customer transactions and especially high-risk business customers and advise the staff to take corrective actions to prevent and detect potential risk with regard AML/CFT;
• Support business departments on validation of name matching and CN matching against Blacklist System;
• Support business department on validation of documents during customer on board to ensure that the staff perform effectively on KYC/CDD principle;
• Highlight business department on potential risk on ML/FT prior to lunch out new products/service; perform post testing after that new product/service has been implemented;
• Response to NBC accurately and timely on requested report such as information of customer, CTR, and STR, annually risk assessment on ML/FT report and others;
• Provide various training to the staff for new staff and existing staff and prepare training report in monthly basis;
• Manage the repository at HQ to ensure documents are available for authorized staff and managers.

• Implement and report on production systems and service operations (ERP, IFRS, HCM, EWS, other internal development systems, ...), processes and procedures, problems, incidents and escalation management, adhering to information security and ITIL standards to offer proactive, secure and high quality services.
• Monitoring and maintenance back-end systems to support continual services to internal staff having - ERPM, IFRS, HCM, and other internal development systems.
• Troubleshoot problems and propose solutions for issues related to production of above systems, validate with respective manager before applying the validated solution.
• Provide 2nd level technical support and collaboration with 3rd level support having internal development team and vendor of above systems to resolve issues based on agreed internal and external SLAs.
• Good customer services to level 1 support and business users with highly accountability to the respected assigned tickets.

• Implement and report on production systems and service operations, processes and procedures, problems, incidents and escalation management, adhering to information security and ITIL standards to offer proactive, secure and high quality services;
• Execute and manage proof-of-concept for automating service of MFS, ATM Switch and reporting system, and submit results to Manager, Deputy/Head department and other related stakeholders for validation;
• Monitor services, MFS, ATM Switch and reporting system KPIs, and report on exceptions and corrective actions initiated;
• Lead in coordinating release management and code/application promotion with Applications Development and Support units, ensuring accurate and timely deployment;
• Troubleshoot problems and propose solutions for issues related to production systems, validate with respective manager before applying the validated solution;
• Provide 2nd level technical support and collaboration with 3rd level support to Staff App, ATM Switch and reporting system and interface with TEMENOS for vendor support to resolve issues based on agreed internal and external SLAs;
• Manage the installation of patches deployment, maintaining the application at the correct version level product feature offerings and issue resolution needs;
• Monitor performance of all applications and propose upgrading or optimizing of support by IT programmer.

• Provide initiative security requirements, security consultant and recommendation to the new project related to IT project and/or Information System Project;
• Perform security control testing and security gaps analysis for the new solution and new IT project if require;
• Establish the procedure for manage and perform Security Assessment on Web Application, API and Application Development;
• Establish the procedure/guideline or test case scenario to perform penetration testing on the related system/application and delivery the report;
• Conducting Threat Analysis and provide mitigation control to prevent the information security threat and cyber threats;
• Perform security advisory functions to assessing information security risk and provide recommendation to mitigate the risk for the new business products/services;
• Perform information security risk assessment within the scope of information security by following information security risk management procedure.

• Support unit manager to originate new products and services to cater to the segment(s) in charge and align with technology usage;
• Support and monitor the implementation of commercial strategies and penetration of new markets;
• Define Value Proposition and commercial speech for segment in charge to deliver on business targets;
• Enhance the existing products or services to align with market needs, technology and target segmentation, and also ensure new initiatives achieve is possessed a competitive advantages and meet with current need of client needs;
• Support unit manager to originate the tools for businesses to acquire and maintain the client by offering the services to align with client’s needs and competition;
• Implement campaigns to drive business performance;
• Develop good and close relationships with Amret staff in provinces and branches and with other external organizations as such as partners to ensure they are well cooperation on sales target;
• Collaborate and coordinate with diverse teams of marketing, business operations, sales, customer services and channel delivery team to deliver on targets.

• Strengthening the Implementation of Customer Service Policy;
• Travelling to all branches and province at least twice a year;
• Audit the implementation of customer services with all branches to ensure the compliance; and services quality for both front and back office for future improvement;
• Interpersonal, problem-solving skills;
• Strong on communication skill and able to handle task well;
• Data key in and produce report;
• Assist Supervisor in providing customer experience training and coaching relevant staff effectively to ensure they have enough accurate information to perform high standard of customer services;
• Involve in any update on policies and procedures for customer service to achieve high standard and mechanism and tools for gathering the information of customer feedback and complains for branch evaluation as well as other marketing intelligences for future improvement;
• Support supervisor for develop program on Retention client and program or event that make clients surprise and feel taking care of.

• Assist in developing/updating procedures and guidelines for the correct recording and declaration and complete and timely payment of taxes in compliance with Cambodian tax law;
• Verify tax computation done by tax officers to ensure accuracy and compliance with Cambodian tax law;
• Regularly reconcile and monitor variances of tax payable accounts to ensure the completeness and accuracy of tax computations and application;
• Review tax adjustment transactions proposed by tax officers and communicate to head office and branch staff to improve accounting processes and reduce the risk of incorrect tax payments;
• Check and reconcile summary tax report and tax returns for payments and declaration to the General Department of Taxation;
• Verify and reconcile all tax documentation, both soft and supporting hard copy, to ensure that documents are properly safeguarded and readily retrievable;
• Assist manager in dealing with tax authorities for tax audit, resolving all related tax issues and minimizing exposure to risk;
• Develop/update tax training materials to ensure their sufficiency and proper tax reporting at branches and head office;
• Check invoices/contracts/proposals for head office to ensure compliance with Cambodian tax law and reporting requirements and reduce the risk of incorrect tax payments;
• Supervise, support and coach tax officers so that they have enough ability to perform the job;
• Aim to achieve high quality results and to strengthen Amret’s high performance culture.

• Update new and enhance the existing tools to monitor and analysis the trend of loan and PAR portfolio growth, loan concentration, portfolio at risk (PAR) by main sectors, regions, products, branches as well as by sub sectors;
• Update the existing tools for cross data analytics to make sure that all the risks of loan Monand PAR growth can be identified and managed properly;
• Monitor the concentration limit of KRIs daily/ monthly and report to related parties in case of having breach the limit or watch level;
• Monitor the limit concentration growth and estimate the time for reach the watch level of the fast grown KRIs;
• Keep monitoring the trend of portfolio and PAR growth by regions, branches, products, main sectors and sub sectors;
• Cross data analytics to find out the root cause of loan growth, PAR growth and recommend the actions to be taken;
• Monitoring on the main sub sectors outlook and make proposal to limit or take action in case of the sub sector trend to be bad outlook in the future;
• Collect the main commodity price from settled branches to monitor some main of the cash crops price;
• Request the data from MEF, MAFF or MC... for commodity price, import and export trend in order to be a reference for sub sector outlook forecast;
• Hunting the news both internal and external that are sensitive for loan and PAR growth impact
• Work closely with IT team in case of having any doubtful of the accuracy of the data;
• Request to add field in the cube or MIS report that is important to analyse the credit risk or the demand data from HCR, CRC;
• Follow up the price, output for sub sectors by CRC to make sure that it compliance with Prakas;
• Follow up the LO by banned purposed by CRC and provide the data to internall controller to pass to branch in order to correct;
• Monthly report to CRC and stakeholders;
• Follow up, support and reinforce all sector decision/recommendation by CRC to ensure that is fully implement.

• Develop and conduct E&S assessments and prepare E&S highlight reports for publication and dissemination;
• Monitor E&S development and consult external actors to keep E&S indicators, policy and procedures updated;
• Initiate Social Responsibility Program linkages with other actors and put forward proposals to E&S Committee and senior management for their consideration and selection;
• Represent Amret as a member of the Social Performance Task Force to learn about the developments, the best practices, and update E&S Committee and senior management on must-do steps for being successful E&S;
• Facilitate with lenders to ensure that Amret is well implementing Client Protection Principles and Exclusion List;
• Analyse and conduct market survey & intelligence to be aware gaps between existing methodology guide and implement with situation change;
• Disseminate the Credit Risk Methodology to staff to ensure they understand the concepts and condition to implementers properly;
• Cooperate with related departments in identifying and developing systems and training methodology guide to ensure smooth and timely product launch activities with risk mitigation;
• Follow up and support staff to ensure proper implementation of policies and application of methodology guidelines and collection of feedback for better to modification;
• Conduct training or refreshment the Credit Methodology to ensure implementation is fully applying.