as dori sa lucrez intr-un mediu dinamic cu o echipa de profesionisti in speranta ca voi

reusi sa acumulez cat mai multe cunostinte si in acelasi timp sa ma perfectionez

Monitoring and supervising the front office and back office daily operational activities within the
branch.
Advises the customer regarding the most suitable banking products/services in order to optimally
fulfill its needs and requirements.
Ensures that NBR and Head Office reporting is timely & correctly made;
Verifies periodically: cash reports, profit & loss report, issuance of cheques registers, accounts
register, missing documents register, cash differences register etc
Organizes implementations of any change in flow of documents, change of procedures, changes of
rules and legislation.
Prepares the operational statistics, monitors/analyses and offers solutions based on the results of the
statistics.
Investigations Co-ordinator
ING Bank N.V. Amsterdam, Bucharest, Romania

June 2007 April 2008 (11 months)

Responsible for organization, co-ordination and activity control for investigations team.
Responsible for development and control maintenance according with internal regulation and
procedures
To ensure the optimal resource allocation ( for example employee allocation for special task)
Cooperation in employment process; establish the individual objectives and for team; training and
evaluating the performance for the employee
Develop and maintain all the information related to local management
INVESTIGATION OFFICER
ING BANK NV AMSTERDAM

2006 2007 (1 year)

Responsible for investigating and ensuring optimal administration and centralized control of all
errors related to the client accounts, providing required explanations and documentation, instructing
or processing appropriate corrections.
Investigating, instructing, processing or verifying corrections to any kind of operational errors
1

related to customers accounts, caused by wrong or incomplete instructions (received from customers
or correspondent financial institutions), delay or errors in transaction processing or in accounts
settings.
Covers other accountabilities and specific tasks delegated by the department responsible, as justified
by the business needs
Responsible for prompt, correct and complete answers to specific clients inquiries (expecting
incoming funds, investigations issues, missing documents, SWIFT correspondence).
ACCOUNT MANAGER
ROMANIAN COMMERCIAL BANK ( BCR)

January 1999 January 2002 (3 years 1 month)

Administrate a portfolio with over 250 account for companies
Process transactions into clients account ( payment orders, cheques, deposits, etc)
Opening new accounts for customers, including verification of the documents required by the bank.
Monitor transactions, identify, investigate and report suspicious transactions
SWIFT OPERATOR
BANCOREX, BUCHAREST H

January 1995 January 1999 (4 years 1 month)

Responsible for transmission and reception of all SWIFT messages ( including authorization)
Adaptation of the "SWIFT GUIDE" for all types of financial and banking operations
Saved the database weekly ( electronic archives) and make daily reports for messages sent and
received
ACCOUNTANT
SAFE INVEST ROMANIA, BUCHAREST

1998 1999 (1 year)

Administration of bank accounts
Verification of all insurance applications enchased
Involved into implementation of a system for optimize the encasements
ACCOUNT MANAGER
BANCA AGRICOLA

January 1991 January 1995 (4 years 1 month)

Administration of customers accounts
Process operations with cheques, payment orders and many other financial instruments

Verification of a daily trial balance

Opening accounts for customers

managing domestic and overseas transactions (SWIFT based messages)

- processing all types of payments in production, establishing the routing mechanism, handling
NOSTRO/LORO accounts, cover positions,
- involved in banking correspondence on different issues based on banking mutual agreements
- offering internal consultancy on banking regulations and international practice

Substantial experience in payments processing (domestic and foreing)

Exposure to Multi-currency payments MT103/MT202/MT200/199/799 etc, relevant proven SWIFT
formatting knowledge
Proven SENT/Regis knowledge, compliance regulations international and internal.
Experience in EBA, Target2 and Multi-currency payments
Accuracy and attention to detail essential
Awareness of importance and the ability in prioritizing workflow in order to ensure all cut off times
are met
Direct Treasury Dep reporting, Investigations, correspondent invoices, other
Managing domestic and overseas transactions (SWIFT based messages) in production
Processing all types of payments in production
Perform daily reconciliation and make corrections if necessary
Process bank-to-bank comissions based on SWIFT messages or centralised bills
Hadling collaterals, NOSTRO/LORO accounts, cover positions, establishing the routing
mechanism
Involved in banking correspondence on different issues based on banking mutual agreements
Acting as Anti-money laundering Specialist
Offered internal consulting based on banking regulations

http://www.ejobs.ro/arhiva_cvuri_publice/interviu-572765.html?setlang=
31.X.2007
CONTABILITATE BANCARA
Curs 3
Decontari interbancare si intrabancare

Piata interbancara este o piata rezervata institutiilor de credit si Bancii

Centrale.
Relatiile dintre banci se impart in :
relatii interbancare
relatii intrabancare
Relatiile interbancare sunt relatii intre banci diferite privite ca persoane
juridice independente. In aces caz, exista urmatoarele tipuri de relatii:
1. relatia dintre banci si Banca Centrala este derulata prin intermediul
conturilor curente deschise de banci la Banca Centrala
2. relatii interne sau relatii desfasurate intre banci apartinand aceluiasi sistem
bancar, derulate prin intermediul sistemului de compensare interbancara sau
utilizand relatiile de corespondent create
3. relatiile externe dintre banci ce apartin unor sisteme bancare diferite sunt in
general relatii de corespondent sau de parteneriat cu bancile straine
Relatiile intrabancare sunt relatii ce au la baza operatiuni desfasurate
intre unitatile ce apartin aceleiasi banci. Aceste relatii se pot dezvolta in plan vertical,
intre filiale, succursale si centrale sau in plan orizontal inte subunitati diferite.
Operatile intrabancare reprezinta operatiuni intre sedii (OIS).
Decontari intrabancare
Realizeaza stingerea obligatiilor ce rezulta in urma operatiunilor
comerciale sau necomerciale, desfasurate intre clientii aceleiasi banci sau realizate de
catre subunitatile bancii in nume si in cont propriu.
Operatiunile intrabancare sunt evidentiate cu ajutorul conturilor: 111
Cont curent la BNR si 341 Decontari intrabancare.
Contul 111 cont de activ; se debiteaza la depunerea unor sume in cont
si la incasari sau la credite obtinute de la banca; se crediteaza cu iesirile din cont sub
forma unor retrageri de numerar si de plati catre alte banci si cu rambursari de credite.
Contul 341 cont bifunctional; se crediteaza cu sumele virate catre
clientii altor subunitati; se debiteaza cu sumele primite de la acesti clienti.

Exemplu:
1.Plata unei sume catre un client ce are cont la alta sucursala bancara se inregistreaza
astfel :
2511 = 341
2511 cont curent platitor
2.Incasarea unei sume de la un client ce are cont la o alta sucursala bancara se
inregistreaza astfel :
4

341 = 2511
2511 cont curent beneficiar
Decontari interbancare
Reprezinta plati fara numerar efectuate de unitatile bancare pentru clientii
lor sau in nume propriu, avand ca beneficiar o unitate bancara a altei banci. Se poate
efectua in mod direct prin conturile de corespondent deschise reciproc de banci.
Contul 2511 cont bifunctional; se crediteaza cu intrarile ca depuneri
sau cu sumele transferate in favoarea titularului; se debiteaza cu retrageri sau plati
catre alte conturi.
Decontari prin conturile corespondente
Relatiile de corespondenta presupun urmatoarele caracteristici:
bancile isi deschid conturi curente reciproce (contul de corespondent NOSTRO
si LORO) in cadrul carora se stabilesc plafoane maxime de indatorare
se stabileste regimul de dobanda si comisioane pentru operatiile reciproce si
regulile de stingere a datoriilor
Conturile de corespondent pot fi:
-conturile Nostro sunt conturi curente ale bancii deschise la alte banci, iar conturile
Loro sunt conturi curente ale altor banci deschise la banca reprezentand resursele
obtinute la acele banci
Contul 121 cont de corespondent la banci (Nostro); cont de activ;
se debiteaza cu sumele intrate in cont in favoarea bancii; se crediteaza cu sumele
platite de banca.
Contul 122 cont de corespondent al bancilor; cont de pasiv; se
crediteaza cu sumele intrate in cont; se debiteaza cu sumele iesite din cont, ca plati
efectuate de acestea.
Exemplu:
1.Banca efectueaza o incasare pentru un client prin contul de corespodent.
121 = 2511
sau
122 = 2511
2.Banca efectueaza o plata pentru un client prin contul de corespondent.
2511 = 121
sau
2511 = 122
3.Banca primeste un imprumut prin conturi de corespondent.
121 = 142
sau
122 = 142
5

142 Imprumuturi primite de la banci

4.Banca ramburseaza imprumutul primit de la alte banci folosind contul de
corespondent.
142 = 121
sau
142 = 122
5.Se inregistreaza comisioanele incasate.
121 = 7019
sau
122 = 7019
7019 Venituri din comisioane
Imprumuturi de refinantare de la BNR
Bancile comerciale aflate in dificultate de trezorerie pot apela la BNR
pentru a obtine lichiditati. In astfel de situatii, se acorda imprumuturi de refinantare in
conditiile stabilite de banca de refinantare.
Grupa 11 Decontari cu BNR
111 Cont curent la BNR
112 Imprumuturi de refinantare de la BNR
117 Creante si datorii atasate
1171 Creante atasate
1172 Datorii atasate
Contul 112 cont de pasiv; creditarea si debitarea lui de fac in
contrapartida cu contul 111 la primirea imprumutului, respectiv la rambursarea lui.
Dobanzile de incasat sau de platit se urmaresc folosind conturile atasate
1171 Creante atasate si 1172 Datorii atasate .
Exemplu:
1.Imprumuturi de refinantare primite de la BNR.
111 = 112
2.Inregistrarea dobanzii de platit.
6011 = 1172
6011 Cheltuieli cu dobanda la BNR
3.Plata dobanzii.
1172 = 111
111 = 1171 (se sting creantele atasate)
4.Rambursarea imprumutului de refinantare.
112 = 111
5.Pentru disponibilul bancii in contul curent la BNR se inregistreaza si se incaseaza
dobanda.
1171 = 7011
6

Credite si imprumuturi bancare

Grupa 14 Credite si imprumuturi bancare
141 Credite acordate bancilor
1411 Credite de pe o zi pe alta acordate bancilor
1412 Credite la termen acordate bancilor
1413 Credite financiare acordate bancilor
1417 Creante atasate
142 Imprumuturi primate de la banci
1421 Imprumuturi de pe o zi pe alta primite de la banci
1422 Imprumuturi la termen primite de la o alta banca
1423 Imprumuturi financiare primite de la banci
1427 Datorii atasate
Contul 141 cont de activ; se debiteaza la acordarea creditului si se
crediteaza la rambursarea lui.
Contul 142 cont de pasiv; se crediteaza la primirea imprumutului si
se debiteaza la rambursarea acestuia.
Dobanzile de primit si de platit se urmaresc prin conturile atasate 1417,
1427 in contrapartida cu un cont de venituri sau cheltuieli.
Exemplu :
1.Acordarea unui credit interbancar de pe o zi pe alta.
1411 = 111
scade cont curent la BNR 111
2.Inregistrarea dobanzii.
1417 = 7014
venituri din dobanzi
3.Incasarea dobanzii.
111 = 1417
creste cont curent la BNR
scad creantele
4.Rambursarea creditului.
111 = 1411
5.Imprumuturi la termen primite de la o alta banca.
111 = 1422
6.Inregistrarea dobanzii de platit.
6014 = 1427
7.Plata dobanzii.
1427 = 111
8.Rambursarea imprumutului.
1422 = 111

Depozite interbancare
Reprezinta o modalitate de plata a disponibilului, respectiv o modalitate
de a atrage resurse de la alte banci.
Grupa 13 Depozite bancare
131 Depozite la banci
1311 Depozite la vedere la banci
1312 Depozite la termen la banci
1313 Depozite colaterale la banci
1317 Creante atasate
132 Depozite ale bancilor
1321 Depozite la vedere ale bancilor
1322 Depozite la termen ale bancilor
1323 Depozite colaterale ale bancilor
1327 Datorii atasate
Contul 131 cont de activ; se debiteaza atunci cand se creeaza
depozitul la alte banci; se crediteaza la lichidarea depozitului.
Contul 132 cont de pasiv; se crediteaza la constituirea depozitului; se
debiteaza la lichidarea depozitului creat altei banci.
Dobanzile aferente unor astfel de operatii sunt contabilizate in conturile
1317 si 1327.
Exemplu :
1.Constituirea unui depozit la termen la o alta banca.
1312 = 111
2.Inregistrarea periodica a dobanzii de incasat.
1317 = 7013
3.Incasarea dobanzii.
111 = 1317
4.Lichidarea depozitului.
111 = 1312
5.Constituirea unui depozit la vedere pentru o alta banca.
111 = 1321
6.Inregistrarea dobanzii de platit.
6013 = 1327
7.Plata dobanzii.
1327 = 111
8.Lichidarea depozitului.
1321 = 111