Position Summary
Under the general supervision of the assigned manager, the Universal Banker position performs both Teller and Platform duties. Responsibilities may vary day to day based on the work needed in the branch. Responsibilities include responding to customers' needs by processing a variety of financial transactions including but not limited to cross selling, tele-consulting, developing business relationships, servicing accounts, check cashing, withdrawals, deposits, and loan payments, and/or greeting customers. The Universal Banker may also research and resolve account issues or customer inquiries, promoting organizational products and services by referring current or prospective customers to other departments within the organization. The Universal Banker follows the established policies and procedures for this area, in accordance with the bank and supervisor's direction.
Role and Responsibilities
- Manages a cash drawer daily, balancing all monies in cash drawers at the end of shifts. Evaluates transactions and checks to verify endorsements, dates, identification of persons receiving payments, bank names, and overall legality of the documents. Transactions are completed accurately and courteously while adhering to operational procedures, referring questions to supervisor as needed.
- Promptly and cordially greets individuals as they enter the branch, promoting strong customer and client interactions and building relationships, participating in cross-selling, and offering new products and features in accordance with our Customer Service Standards of Excellence.
- Places applicable holds on accounts, ensuring immediate supervisory review.
- Provides access to safe deposit boxes.
- Demonstrates positive risk management decisions (including displaying a strong knowledge of guidelines for fraud prevention and robbery) while maintaining a work area that ensures the safety of all negotiable and confidential records.
- Reports any suspicious activity and performs all daily functions as outlined in the Bank Secrecy Act and Anti-Money Laundering rules and regulations, observing economic sanctions by prohibiting transactions as specified by the Office of Foreign Asset Control (OFAC), following the bank's customer identification program (CIP) rules, and observing all Bank policies and procedures relating to BSA, OFAC, CIP, and related acts, participating in ongoing related training.
- Performs ATM/coin machine settlement and customer assistance.
- Supplements general platform service responsibilities as required.
- Coordinates specific work tasks with other personnel within the office as well as with other departments to ensure the smooth and efficient flow of information.
- Answers customer inquiries (both in-person and via telephone) about account types and banking products, such as CDs, money market accounts, and debit cards.
- Researches and resolves customer problems, acting as the customer liaison between other bank departments as necessary.
- Assists in creating Customer Identification File (CIF) records.
- Ensures operational and financial safety and soundness.
- Displays a spirit of teamwork and dedication to the goals and objectives of the bank.
- Performs other related duties as assigned.
See attached job description for additional detail.
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