Senior Relationship Banking Officer

Senior Relationship Banking Officer(UAE National Role)

Embark on a journey where your unique contributions are celebrated, and your professional growth is embraced. At ADCB, we nurture a diverse, inclusive community where every voice is valued.

About the business area

GBS is a group of highly skilled and talented professionals who form an essential part of ADCB's continued journey of success. With a proud history of commitment, innovation and delivery, GBS constantly strives for excellence whilst ensuring the highest standards of quality and risk awareness. Each and every member of the GBS family plays an integral role in driving ADCB's strategy, growth and digital evolution by working closely with our valued business partners to achieve exceptional customer experience through our outstanding service and support.

In this role, your key responsibilities include:

• Relationship Management and Customer Advisory- Provide advanced servicing and advisory support to high‑value, priority, or complex customers by assessing financial needs and fulfilling customer requests across financial and non‑financial transactions in order to deliver effective, needs‑based banking solutions. Take ownership of escalated customer cases by coordinating resolution with relevant stakeholders and exercising sound judgement to balance customer expectations, risk requirements, and service standards, ensuring continuity of customer relationships, enhanced satisfaction and retention, and alignment with branch and bank objectives
• Complex Transactions and Counter Services- Perform and support complex or high‑value cash and non‑cash transactions within delegated authority by applying approved procedures, operational controls, and regulatory requirements in order to ensure accuracy, integrity, and customer confidence. Act as a checking and escalation point for sensitive transactions, overrides, and exception handling by exercising sound judgement and applying dual‑control requirements, while supporting back‑office processing activities and proactively identifying potential operational risks or control gaps to maintain resilient, compliant, and efficient branch operations
• Audit, Compliance and Risk Awareness- Exercise senior accountability for compliance and risk outcomes by applying Know Your Customer (KYC), Anti‑Money Laundering (AML), sanctions, and regulatory requirements across complex, high‑value, or sensitive activities in order to safeguard the bank from financial and non‑financial loss. Act as a reference point for interpreting controls, applying dual‑control requirements, and determining appropriate escalation actions for exceptions or elevated‑risk cases. Proactively review records, identify emerging risk trends or control weaknesses, and ensure timely reporting, follow‑up, and resolution of suspicious activities, incidents, or breaches in line with ADCB policies, procedures, and standard operating procedures
• Policies, Processes, Systems and Procedures- Adhere to all relevant organisational and departmental policies, processes, standard operating procedures and instructions so that work is carried out to the required standard and in a consistent manner while delivering the required standard of service to customers and stakeholders
• Self-Management- Manage self in line with the Bank’s people management policies, procedures, processes and practices to ensure adherence and to maximise own contribution to business performance
• Customer Service- Demonstrate Our Promise and apply the ADCB Service Standards to deliver the Bank’s required levels of service in all internal and external customer interactions

The ideal candidate should have the following experience

• At least 4 years of experience in Branch Banking, Retail Banking Operations, or Customer Servicing roles within a Banking or Financial Services environment, with exposure to Complex or High‑Value Transactions, Priority Customer Handling, Escalations, and Regulatory and Compliance Requirements
• Bachelor’s Degree in Business Administration, Finance, Accounting, Banking, Economics or a related discipline
• Branch Banking Operations
• Complex Cash and Non‑Cash Transaction Processing
• Customer Relationship Management
• Retail Banking Products and Services
• Operational Risk Awareness and Control including KYC and AML
• Banking Systems and Digital Channels
• Basic Knowledge of Microsoft Word and Excel
• Interpersonal, Multitasking and Time Management Skills

What we offer:

• Competitive Salary: The indicative pay range for this role is AED 20600– AED 26000 per month(including social allowance). Additionally, all employees are eligible to participate in one of our rewarding variable pay plans.
• Comprehensive Benefits Package: This includes market-leading medical insurance, group life and personal accident insurance, paid leave and leave airfare, employee preferential rates on loans and finance facilities, staff discounts and offers, and children education assistance upto 4 kids.
• Flexible and Remote Working Options: We understand the importance of work-life balance and offer flexible working arrangements, subject to eligibility and job requirements.
• Learning and Development Opportunities: We value and facilitate continuous learning and personal development, through a variety of exciting learning opportunities, such as structured instructor-led courses, a comprehensive e-Learning catalog, on-the-job training and professional development programs.

At ADCB, we are dedicated to creating a respectful, caring and disciplined work environment that aligns with your career ambitions.