PROFESSIONAL knowledge:
At the concept level:
1. Quality management.
At the comprehension level:
1. Operating principles of a financial institution.
2. Psychology of business relations.
3. Information classification principles.
4. Basics of macroeconomics. Microeconomics.
5. Information selection criteria.
6. Project management.
7. Applied informatics.
8. Mathematical and statistical data processing and analysis methods.
9. Financial instruments.
10. Financial risk procedures.
11. Financial reporting modules.
12. Currency exchange rates.
13. Financial market trends.
14. Financial offers developed at the company.
15. Basic principles of service price formation.
16. Basic principles of applying discounts.
At the application level:
1. Technique for asking questions.
2. Professional ethics.
3. Business correspondence.
4. Internet search tools.
5. Database software.
6. Data auditing methods.
7. Data compilation methods.
8. Database application software.
9. Collaboration methods.
10. Statistical application software.
11. Financial mathematics and statistics.
12. Methods of developing financial accounts.
13. Methods of verifying financial data.
14. Essence of financial services.
15. Application of financial instruments.
16. Financial risk management.
17. Document management.
18. Analysis of financial data.
19. Effective communication methods.
20. Cash transactions.
21. Non-cash transactions. Requirements for drawing up accounting source documents.
22. Tax calculation.
23. Operations of cash and non-cash transactions.
24. Transaction limits.
25. Recognition of currency.
26. Conversion of currency.
27. Signs of unusual and suspicious financial transactions.
28. Assessment and analysis of financial transactions.
29. Signs of the authenticity of money.
30. Methods of detecting counterfeit banknotes and bank payment documents.
31. Safety features of banknotes (notes and coins).
32. Types of technical equipment for the inspection of banknotes and its use.
33. Basic principles of developing a presentation.
34. Marketing methods.
35. Argumentation methods.
36. Financial statements.
37. Channels and ways of presenting information.
38. Methods of compiling information.
39. Techniques for the documentation of communication.
40. Customer relationship management (CRM) software.
GENERAL knowledge:
At the concept level:
1. Legal relationship.
2. Laws and regulations regarding information technologies.
3. Diversity of social relations. Social and political structure of society.
4. Basic principles of economics and economic processes.
5. Types of commercial activity.
6. Essence of marketing process.
At the comprehension level:
1. Principles of intercultural interaction. Basics of business psychology.
2. Laws and regulations regarding labour protection, electrical safety, and environmental protection.
3. Basic ergonomic requirements.
4. Health risk factors.
5. Human health as a precondition for life quality.
6. Essence of sustainable development.
7. Rights, obligations, and liability of an individual.
8. Professional career development and its importance.
9. Vocabulary.
10. Grammar and language functions.
11. Types of verbal and non-verbal interaction. Language styles and characteristics of intonation. Diversity of language and communication in different contexts.
12. Operating principles of computer and office equipment.
13. Principles of promoting cooperation.
14. Formation of a team. Settling of conflicts.
15. Role of the business plan in the business activity.
At the application level:
1. Regulatory laws and regulations in the field of finance.
2. Negotiation technologies.
3. Principles of effective communication.
4. Conflict resolution techniques. Basic principles of customer relationship management.
5. Standards of general and professional ethics.
6. Laws and regulations regarding labour protection, electrical safety, and environmental protection.
7. Basic ergonomic requirements.
8. Health risk factors.
9. Human health as a precondition for life quality.
10. Essence of sustainable development.
11. Legal provisions of labour rights. Internal procedure regulations.
12. Occupational hygiene and culture.
13. Learning strategies.
14. Self-assessment principles.
15. Official language.
16. Foreign languages.
17. Intercultural interaction.
18. Mathematical and modelling methods and instruments.
19. Application software in preparation of documents.
20. Work with office equipment.
21. Computer security programs.
22. Information systems security. Time planning techniques.
23. Effective interaction and cooperation techniques. Stress management.
24. Signs of conflicts and methods for their resolution.
25. Planning of work sequence.

PROFESSIONAL knowledge:
1. To formulate accurate questions to obtain information.
2. To document facts and the obtained answers.
3. To accurately classify the obtained information by its nature.
4. To clarify the specificity of financial services and financial instruments, suggesting possible alternatives to address specific issues.
5. To perform business correspondence at the level required for work.
6. To save data in electronic data carriers.
7. To respect confidentiality while working with data.
8. To maintain customer feedback.
9. To apply information search and selection tools independently, in compliance with the established criteria.
10. To obtain financial information from different sources.
11. To collect information in appropriate ways, accurately entering the data.
12. To compare the data with the databases published by the controlling institutions and the available databases.
13. To verify the validity/credibility and contingency of the obtained financial data of the customer.
14. To work with information registration software independently.
15. To enter data in the necessary amount.
16. To respect the principles and time-limits of a financial project.
17. To maintain customer databases.
18. To apply data processing and analysis methods independently.
19. To correct/update the entered data.
20. To use the most appropriate statistical and other analytical methods independently, to ensure effective data collection.
21. To fill in forms manually or automatically.
22. To analyse financial data accounts, including the essence and scope of cash flow.
23. To find correlations in the collected data.
24. To compare different data, their sources, and validity/credibility objectively.
25. To assess the usefulness of the data to be included in the report, comparing it with the essence of the report.
26. To adhere to the structure of the report and time-limits for its preparation.
27. To prepare summaries of financial data accurately.
28. To verify the credibility of financial data in general.
29. To send/turn in the prepared report to the customer or the management timely.
30. To follow the risk control procedures.
31. To recognise violations of risk control procedures independently.
32. To inform the direct manager about violations of risk procedures.
33. To analyse the collected financial performance results, making conclusions.
34. To identify correlations in different reporting modules and stages of preparing reports.
35. To respect time-limits in cooperation with the parties involved in the preparation of the financial report.
36. To account the funds accurately.
37. To fill in cash deposit/withdrawal documents, following the relevant procedures.
38. To prepare daily financial reports on the performed activities.
39. To fill in cash and non-cash transactions documents or electronic forms.
40. To respect monetary transaction limits.
41. To unequivocally recognise the currencies used at work.
42. To perform cash deposit and withdrawal operations.
43. To comply with regulatory documents and procedures regulating the signs of unusual and suspicious financial transactions.
44. To identify suspicious financial transactions and inconsistencies.
45. To inform the direct management about suspicious financial transactions.
46. To recognise counterfeit banknotes (notes and coins) and bank payment documents.
47. To withdraw counterfeit banknotes (notes and coins) and bank payment documents, following the respective procedures.
48. To handle the appropriate technical equipment for the inspection of banknotes.
49. To identify the preferences of the customer or counterparty/colleague.
50. To responsibly present the possibilities of the services provided by the financial undertaking.
51. To define the main benefits/advantages for the customer.
52. To make customers interested in the use of a specific financial service.
53. To communicate in different environments effectively, collect information purposefully and accurately.
54. To present the solutions developed by the company.
55. To inform the customer about the main provisions of the agreement.
56. To provide arguments for the benefits, clarifying the costs of the offered service.
57. To assess the possible alternatives to financial transactions objectively.
58. To apply the most appropriate channel, way, and time to present information.
59. To prepare standard statements.
60. To document all communication with the customer with factual accuracy.
61. To register information in the relevant information carriers.
GENERAL skills:
1. To apply the binding sectoral regulatory laws and regulations.
2. To responsibly comply with the regulatory requirements established by the supervisory authority.
3. To regularly keep up with the changes in laws and regulations and rules that affect the relationship and transactions with customers.
4. To choose questions and structure of conversation appropriate for the particular situation.
5. To create a positive corporate image during the communication process.
6. To inform customers about financial services in a reasoned and clear manner.
7. To express oneself clearly and unambiguously.
8. To follow the principles of intercultural interaction.
9. To assess the impact of occupational risk factors on health.
10. To organise own workplace and work in accordance with labour protection and occupational safety requirements.
11. To comply with the laws and regulations regarding environmental protection.
12. To comply with fire safety regulations.
13. To identify the possible violations of fire safety regulations.
14. To act in the event of fire independently, accurately complying with the procedure established in the company.
15. To provide first aid, if necessary.
16. To apply the Labour Law and other laws and regulations regarding employment legal relationship.
17. To respect the duties and rights of the employer and the employee.
18. To comply with the internal procedure regulations.
19. To inform the direct manager about the outcomes achieved.
20. To implement the internal procedure of the company/organisation.
21. To comply with occupational hygiene requirements.
22. To evaluate own professional experience and options for the development of own career.
23. To take part in upskilling activities.
24. To keep up with the current events in the sector.
25. To communicate in the official language.
26. To use professional terminology in the official language.
27. To communicate in two foreign languages both orally and in writing.
28. To use professional terminology in two foreign languages.
29. To apply the basic mathematical principles and techniques.
30. To model the progress of resolving a financial task.
31. To use computer and office equipment.
32. To prepare financial reports and statements, using application software.
33. To independently find the necessary information in internet resources and data carriers.
34. To communicate by using communication technologies.
35. To comply with IT security and personal data protection requirements.
36. To enter the collected information, assessing it critically.
37. To systematically work with large amount of information.
38. To cooperate in a team, being aware of own responsibility when performing joint work.
39. To think critically and creatively.
40. To identify the causes of stress.
41. To resolve conflict situations.
42. To become personally involved in the generation of new ideas, taking the initiative.
43. To use resources rationally.
44. To plan own time rationally, setting priorities.
45. To assess economic risks.

PROFESSIONAL competences:
1. Ability to obtain information about customer’s preferences in person or remotely, respecting confidentiality and maintaining customer feedback.
2. Ability to analyse the obtained financial information and verify the validity/credibility and contingency of the obtained financial data of the customer, using information technologies.
3. Ability to register the customer/financial project in the system, maintaining customer databases and respecting the principles and time-limits of the financial project.
4. Ability to process financial information and data, applying statistical and analytical methods.
5. Ability to prepare structured individual reports, accurately preparing a summary of financial results.
6. Ability to follow financial risk procedures and recognise the violations of risk control procedures.
7. Ability to coordinate the data integrated in the overall financial account in cooperation with the involved parties.
8. Ability to draw up documents of cash and non-cash transactions, carry out operations of cash and non-cash transactions, and prepare daily financial reports on the performed activities.
9. Ability to verify the compliance of financial transactions with the criteria for secure transactions, identifying suspicious financial transactions and inconsistencies.
10. Ability to verify the authenticity of banknotes, coins, and bank payment documents, using the appropriate technical equipment.
11. Ability to provide the customer with true and complete information about the available financial services and the established procedure, presenting the solutions developed by the company and defining customer benefits.
12. Ability to acquaint the customers with the pricelist of services and terms of customer service, providing arguments and clarifying the benefits and costs of the offered service.
13. Ability to inform the customer about the taken decisions, choosing the most appropriate channel, way, and time to present information.
14. Ability to register communication with the customer, using customer relationship management software.
GENERAL competences:
1. Ability to comply with the external and internal regulatory laws and regulations while performing financial transactions.
2. Ability to establish positive communication with the customer, providing arguments and clear information about financial services in accordance with the principles of general and professional ethics.
3. Ability to organise the workplace and work in compliance with labour protection, environmental protection, and fire safety regulations.
4. Ability to act in extreme situations and provide first aid.
5. Ability to carry out work tasks in compliance with the requirements regarding employment legal relationship.
6. Ability to plan and take decisions while making own professional career.
7. Ability to express and interpret concepts, thoughts, facts, and opinion in the official language both orally and in writing.
8. Ability to communicate and use professional terminology in at least two foreign languages.
9. Ability to apply mathematical thinking while modelling work situations and planning the performance of a work task.
10. Ability to confidently and safely use information and communication technologies to complete a work task.
11. Ability to engage in teamwork effectively, establishing and critically analysing the interaction with other persons.
12. Ability to resolve conflict situations flexibly.
13. Ability to generate new ideas for effective performance of work.