In your own understanding, what is risk in banking, and can you give an example of how a teller might encounter operational risk?
Why This Is Asked
EastWest Bank explicitly tests candidates on risk awareness, as tellers are the first line of defense against errors and fraud in daily operations.
General Approach
Define risk simply as the chance of loss or error. Give a concrete example of operational risk in teller duties, and explain how proper procedures minimize that risk.
Sample STAR Answer▾
Situation
During my OJT at a rural bank, I was assigned to assist the tellers and was expected to learn about internal controls and risk mitigation.
Task
I had to apply basic risk management principles to everyday tasks like cash handling and customer identity verification.
Action
I learned that operational risk includes errors, fraud, or system failures. For example, I always verified signatures against the specimen card before processing withdrawals, counted cash twice, and never shared my password. When a co-intern asked to use my terminal for convenience, I politely declined and informed the supervisor to maintain dual control.
Result
My strict adherence prevented a potential unauthorized access incident, and the branch manager commended my vigilance during our team meeting.
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