banking consultant

software engineer

analyst

business analyst

product owner

My branch team was great. However, there is a clear segregation between branch staff and head office staff. Unlike my current job where Head office involves store retails in decision making and value your opinions  which makes sense  because who would know the customer more than the customer facing staff? But not at ANZ. Head office makes the decisions and branch staff cop the abuse. From the two years I've worked there the service that i could perform and offer for customers was cut by 80%. They locked all the maintenance system we can do, so the day of branch staff entails telling 90% of customers to call customer service or seeing 1-2  customers per day and sit with them for half the day until someone picks up. The fun part is  when they pick up they will tell you it is the wrong line so they will transfer you to the right department and that department says you need to call through branch line which you did but the previous person transfer you out of the branch line so you have to start again. Customer care is always in training so you'll also have to guide them through what to do because you cannot do it yourself anymore. 

People say bank workers are always rude and grumpy and useless. It is true, I started off as an optimistic person then i found myself projecting rudeness and grumpiness as times goes on. You'll find that one bad customers will ruin your day as you become the punching bag and face for the bank bad decisions and you can't even blame the customers because a lot of times they have the right to be angry and you just got to suck it up. 

Now for career progression. If you can get your foot straight in head office on first go, then you don't have anything to worry about. If you start off at the branch, you need a very good branch manager with a large network that will help you progress. The opportunities at branch are senior bank consultant, small business banker, home loan associate, home loan manager, branch manager. 

It is extremely hard to get to head office if you are in branch. You got to be very lucky. Unless it is customer service, any other head office roles are advertised for the sake of advertising as 90% of the time they already have someone internally they know they want for the job. 

One thing I disagree with ANZ recruitment value is that their "more qualified criteria" is educational background  rather than relevant experience (I'm not talking about technical jobs like engineering but more functional jobs that can 100% be learnt where educational background is useless as the content and market is ever-changing). I found this very regressive of them. I have a master degree and my colleague does not. I 100% believe they are more qualified than I am for 80% of the head office jobs, but i will be more at an advantage then them because I have relevant degree paper. 

As a branch staff, you'll find employees from head office coming down to a branch looks down on you and state they are from the head office and expect a free bank cheque (Even though this is not a part of staff benefit. By giving staff free bank cheque, that reduce the amount of free bank cheque you can give to customers who needs it under financial hardship or vulnerable circumstances. Yes, $10 is a lot for some people and apparently also for ANZ corporate staff) . This is what you get for hiring educational qualified candidates with no real experience and understanding of customer market. Obnoxious, snobby and lazy. So corporate life must be easy for them.  Many senior management prefer their offshore staff than onshore staff as the productivity level for offshore is a lot better than their onshore so onshore just piggyback off them.

If you can get into ANZ corporate your work life will be breezy. But I do hope someone will come into this company to make progressive changes as I do think there's potential for changes but the right person has not come yet. Maybe then, they will stop trying to cut budget and create more jobs for Australians with real skills instead of feeling the need to go offshore.



The most current position was to take inbound calls regarding a complaint that a customer wished to lodge. These complaints were varied, and more often than not, required investigation and liaising with other business areas to satisfactorily resolve the complaint.

The outcome for the customer relied on building relationships with contacts within the organisation in order to resolve some of the more difficult complaints lodged. Other complaints lodged were more easily resolved.

I learnt to prioritise my day, follow up regularly about an existing complaint, adhere to determined timeframes, and make a determination to escalate higher when necessary, or negotiate an outcome that I felt was appropriate to the situation. There were times when I needed to discuss what I believed to be the appropriate outcome with Management, and I did this by putting forward reasons why the outcome was the most expedient or appropriate response in any particular instance.

The hardest part of my job would be that the outcomes that were sometimes provided were not always received well by the recipient. When this happened, it prolonged the life of the complaint and at times, resulted in a forced escalation.

Situations where a consultant does not feel supported by their Team Leader or Manager does not make for a good, productive working relationship, especially when the original outcome is the one that was then implemented.

However, all in all, it was the people I worked with every day, bonded with over time, and accepted as my equals in order to achieve results. As for the customers? Those relationships became building blocks on how to deal with other people. Recognising those differences required different approaches in order to secure equitable and agreeable outcomes.

Senior leadership with extensive experiences in managing sales measures, building highly skilled sales teams and leading multiple sites. Strong qualities in converting strategies into key actions in maximising market share and profitability, in a complex and sensitive business environment. 

Strong emphasis on leading others with a clear vision on a variety of competing priorities, ensuring superior performance and strategic objectives are met. Organised in all aspects of management, ability to think strategically and deliver a high performance culture, provides a high level of self-motivations. Highly developed interpersonal skills, effectively managing large teams and relationships with all stakeholders, demands optimal performance from team.   

Being held fully accountable on results, productivity and team satisfaction is what I expect and thrive on. Offering a superior service provides superior outcomes is a personal objective. Personal hunger pushes my performance to new levels in exceeding financial measures. Adapting to circumstances, uncovering opportunities and awareness of impacts, allows clarity of addressing business goals. 

Owning and sharing team accountabilities is supporting, encouraging and inspiring others to exceed objectives. Seeing my team develop skills, customers delighted from first class servicing, means true satisfaction. It’s essential to be flexible, with no boundaries, in order to achieve best solutions to my staff and in return to clients.

Sadly I can't recommend ANZ as a place to work.

Typically your work day will be 12-14 hours, despite only being paid for 8 hours. There is an underlying culture which expects you to work the overtime, yet rarely will you be rewarded for it.
They claim a "give and take" work/life balance, but they don't tell you that you will do all the giving, and they will do all the taking.
For the wage you get, you would be far better off working in the public sector. 

Training is poor at best. The only training you receive is from fellow staff members on the frontline who are already overworked. There is no formal training program.

Computer systems are antiquated and processes are worse. Despite them having internal computer systems for reporting, Management never use them and insist on wasting half your day getting the information for them manually. Expect to spend MOST of your day doing internal reporting which has nothing to do with the customer.

Expect to have internal meetings. Meetings, Meetings, and more Meetings. The bank is top heavy with management and they all want their chunk of your day. In a Relationship Management role expect to have a meeting on Monday to say what your week will involve, a meeting on Wednesday to discuss how it is progressing, and another meeting on Friday to discuss how it went. Management clearly have too much time on their hands and think having meetings justifies their existence. They forget that time you spend with them is time you are not spending with the customer.

Management find the truth difficult. If they tell you something, make sure you get it in writing. They will rarely honour any verbal commitments they give.

Working at ANZ was one of the most positive and memorable periods of my career. A typical day involved supporting customers, solving problems, and working closely with colleagues to ensure everything ran smoothly. It was often fast-paced, but also very rewarding.

During my time there I learned a great deal about customer service, teamwork, and the importance of professionalism and responsibility in financial services. The experience helped me develop strong communication, problem-solving, and organisational skills that I still value today.

Management was supportive and encouraged learning, growth, and accountability. The workplace culture was collaborative, respectful, and welcoming. What stood out the most was the people. The team I worked with truly felt like family. We supported one another, shared knowledge, and created an environment where people genuinely enjoyed coming to work.

The hardest part of the job was sometimes managing busy periods or complex customer situations, but those challenges helped build confidence and resilience. The most enjoyable part was working alongside such a supportive team and being able to help customers every day.

Overall, my time at ANZ was a very meaningful and rewarding chapter of my professional life, and it remains one of the best workplaces I have experienced.

- A typical day at work is setting up our work areas, coming together as a group before hand to talk about how the week is going/improvements that should be made. Seeing the regular customers that are always happy to have a chat and see how they are going. It is good to know that they are leaving happy. Knowing that they are getting the fullest out of their banking is a rewarding feeling.
- I leant excellent cash handling skills, customer service and computer skills. There is always something new to learn.
- Organisation is the key to working. Not been able to manage work throughout the day can be quite overwhelming towards closing, so in order for that not to happen you must be organised throughout the day.
- Fellow co-workers are great to bounce feedback and ideas off. They are always willing to help another colleague out when need be, and working in a team envrionment is always fun.
- Hardest part of the job is that sometimes we can't always help someone out because it is not following the law, even if it is a bad outcome for the customer there is only so much we can do because of the privacy and confidential laws. It is hard to turn someone away when they are in a tough cirumstance because even though we've tried everything that we can, it doesn't always have the positive outcome we hope for.
- Most enjoyable part of the job is working with my co-workers, who become your friends. Seeing familiar customers who want to know how you are going and are very caring always puts a smile on my face.

I loved working for this company at the time I was a branch manager. As a branch manager i empowered to lead and grow the business through the development of new opportunities in our local community. My role involved people management, financial accountability, relationship management and exceptional customer service.Everyday is different depending on our Rosters eg. Friday is the end of the week we have a staff meeting where everyone brought to the table how their week went and what they achieved during the week. If they met their targets, we would celebrate and if they did not meet the targets we worked on how to meet them and helped to overcome any challenges and to exceed expectations.I have learnt that every staff member had different strengths and weaknesses. Our culture was to living the  Values helped to achieve better business outcome. The hardest part of the job was:- The People (Staff) Educating them was not easy but the best part of my job was helping my staff to be better at their jobs by training and working with them and building better relationships with them plus building relationships with our customers which are the most valuable  and important people in our jobs..One of  the best part of my job was meeting all different types of customers which makes my job interesting and how i managed to assist them every time they needed help..
At the end of the day i was expected to support my team to deliver a great customer service...

The role of a Payment Specialist is vital in managing and executing financial transactions within a company, ensuring accuracy and compliance with regulatory standards. This position involves handling a variety of payment types, including electronic transfers and international transactions, with a strong focus on precision and detail to avoid errors or potential fraud. The job requires a solid understanding of payment systems, banking procedures, and financial software, making it both challenging and rewarding.

Working as a Payment Specialist offers a dynamic environment where attention to detail and organizational skills are key. The role often involves collaborating with various departments and external partners, requiring strong communication skills to resolve payment issues effectively. The fast-paced nature of the work demands adaptability and proficiency in the latest payment processing technologies, making it an excellent fit for those who enjoy a mix of routine and problem-solving tasks.

The working environment is typically supportive and collaborative, with opportunities to learn and grow in the financial operations field. Employees in this role often find satisfaction in knowing their work directly contributes to the financial health and efficiency of the organization. The role is well-suited for individuals who thrive in structured yet dynamic settings and enjoy the challenge of maintaining high standards in financial processing.

A typical day at work at ANZ for me would begin by allocating cases to each member of my team every morning. There were three deadlines we had to meet every day which revolved around our customers and the times that they wished to settle their sales of their properties. My main tasks during the day was ensuring that all of my team members were meeting these deadlines and liaising with both customers and solicitors to ensure that this happened.

My co-workers were a group of young, enthusiastic people who did their best to ensure that customer expectations were met. Many went above and beyond what was required of them. It was inspiring to be a part of a group that took a lot of pride in their work.

The hardest part of my job would have been dealing with customers when they felt that we had not managed to meet their expectations. It was challenging to deal with complaints however if a positive outcome was reached it felt rewarding to have been able to solve the issue. The job also had moments that were reasonably stressful, however when the team pulled together we found that we worked really well under pressure.

I really enjoyed guiding and tutoring my team in all areas of their work, whether it be problems that arose from the job directly or just a general need for advice. I enjoyed the fact that people trusted me to do the job well and always felt rewarded when I delivered.

I have been fortune to have a great coach and mentor at the beginning of my career with ANZ. I had my colleagues' support to gain knowledge about products and policies, understand processes and regulations, identifying risk and find ways to overcome them as well as providing excellent customer service. 

Due to the great workplace culture and support among staff members and managers, I was able to drive and be passionate about my responsibilities and duties, and were able to join the Management Development Program at ANZ this year that provides me with the necessary skills and knowledge to be a manager and to run my own branch. 

I would say that customers are more demanding than a few years ago. Which means you need to build excellent customer relationships, dealing with their problems and provide outstanding outcomes in order to win their trust and loyalty.

As digitalisation is a big part in banking, customers do not walk into the branches anymore. You need to get in touch with them and to invite them in for an A-Z Review. Not everyone is keen to make cold calls. 

Our roles and responsibilities have changes recently. Changes are implemented in small steps at ANZ whereas other banks take less time to incorporate customer feedback.

Top Job Titles	Average Salary
Banking consultant 15 salaries reported	$69,563 per year
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Business analyst 9 salaries reported	$128,889 per year
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