Teller

Credit Union of Texas•Frisco, TX

6h•Onsite

About The Position

The Teller is a front-line ambassador for Credit Union of Texas (CUTX), accurately and efficiently processing member financial transactions while providing personalized service. The role uses active listening and conversation to identify members’ financial needs, recommends appropriate CUTX products and services, and contributes to branch sales and service goals. The Teller works within regulatory, security, confidentiality, and operational requirements and uses CUTX-approved banking technology and AI-assisted tools to support transaction processing and member needs identification. The position is performed on-site at the assigned CUTX branch during posted branch hours, which may include Saturdays. The Teller must review AI-generated recommendations, answers, and risk prompts before acting on or communicating them, retain accountability for decisions influenced by AI, and escalate outputs that appear inaccurate, biased, non-compliant, or outside the role’s scope. The role also requires protecting member information and following applicable financial, privacy, security, and AI policies.

Requirements

High school diploma or General Education Degree (GED).
At least six months of similar or related experience, such as cash handling, retail, customer service, or financial services.
Goal-oriented and self-motivated, with the ability to meet sales and service expectations.
Service-oriented, with a genuine interest in helping members.
Strong attention to detail and problem-solving ability, particularly with numbers and cash handling.
Strong active listening skills to identify member needs.
Strong written and verbal communication skills.
Ability to multitask, prioritize, and adapt in a fast-paced, consistently changing environment.
Ability to work collaboratively in a branch setting.
Basic mathematical ability, including comfort with figures, percentages, and balancing.
Working knowledge of, or willingness to learn, BSA/AML, OFAC, Regulation CC, USA PATRIOT Act/CIP, and CUTX privacy requirements.
Proficiency with standard office technology and ability to learn CUTX core banking and teller systems.
Ability to remain stationary at a teller station for extended periods; perform repetitive hand and finger motions; grasp and manipulate currency, coin, and negotiable instruments; communicate clearly and hear normal conversation; visually inspect documents, identification, and currency; occasionally stand, walk, stoop, kneel, or crouch; and occasionally lift and move up to 20 pounds.
Work on-site at the assigned CUTX branch during posted branch hours, which may include Saturdays.
Follow enterprise compliance obligations applicable to CUTX team members, including BSA/AML, OFAC, USA PATRIOT Act/CIP/CDD, GLBA and the Safeguards Rule, Fair Lending laws, UDAAP, information security and acceptable use, and the CUTX Code of Conduct.
Follow CUTX AI governance requirements, including the Generative AI Usage Policy, the AI Playbook and applicable Tier 2 obligations, and applicable TRAIGA/HB 149 requirements.
Follow role-specific requirements covering CTR and SAR referral thresholds, OFAC screening, CIP, Regulation CC, Regulation E, GLBA/privacy, elder financial exploitation escalation, and CUTX cash-handling, branch-security, and teller-operations procedures.
Do not use unapproved consumer AI tools to answer member questions about CUTX products, rates, or policies, or enter member NPI into an AI tool not approved for that data classification.

Nice To Haves

Prior teller, cashier, or financial services experience.
Prior credit union or community bank experience.
Bilingual English/Spanish.

Responsibilities

Process deposits, withdrawals, transfers, loan payments, check cashing, money orders, cashier’s checks, and other member transaction requests accurately and efficiently.
Provide consistently outstanding service to internal and external members and create a positive member experience.
Balance the cash drawer and transactions daily, and promptly research and resolve discrepancies.
Greet members, listen actively, and provide accurate information about CUTX products, services, and account features.
Identify member financial needs through conversation and review of account activity, and recommend appropriate CUTX products and services.
Meet or exceed individual sales and service goals established by branch leadership.
Refer members to Member Service Representatives, Loan Officers, or other CUTX specialists when their needs extend beyond the Teller’s scope.
Comply with applicable financial regulations and CUTX policies, including BSA/AML, OFAC, Regulation CC, USA PATRIOT Act/CIP, and privacy and security requirements.
Identify and escalate suspicious activity, potential fraud, elder financial exploitation, and transactions meeting CTR or SAR review thresholds.
Safeguard member non-public personal information and other sensitive information.
Safeguard keys, combinations, documents, records, cash, and negotiable items, and follow dual-control and other branch security procedures.
Follow opening, closing, and cash-handling procedures, including cash limits and overage/shortage reporting.
Use CUTX-approved core banking, teller capture, and member-needs tools accurately and efficiently.
Participate in pilots of CUTX-approved AI tools, provide feedback, and adopt approved enhancements.
Review every AI-suggested product recommendation, knowledge answer, or risk prompt before acting on it or communicating it to a member.
Stop relying on and escalate AI output that appears inaccurate, biased, non-compliant, or outside the role’s documented scope.
Avoid entering member NPI, confidential CUTX information, or material non-public information into AI tools that are not explicitly approved for that data classification.
Complete assigned compliance, product, and AI training within required timeframes, including required AI training within 30 days of hire and annual refreshers.
Use approved AI tools in accordance with CUTX policies and do not use AI as the sole basis for adverse member actions.