Teller

Credit Union of Texas•Frisco, TX

18d•Onsite

About The Position

The Teller is a front-line ambassador for Credit Union of Texas (CUTX), responsible for accurately and efficiently processing member financial transactions while providing personalized service. The role identifies member needs through active listening and conversation, recommends appropriate CUTX products and services, and contributes to branch sales and service goals. Tellers work within strict regulatory, security, and confidentiality requirements and use CUTX-approved technology and AI-assisted tools to support transaction accuracy and member needs identification. The position is performed on-site at an assigned CUTX branch during posted branch hours, which may include Saturdays. The work takes place in a standard branch office setting without hazardous or significantly unpleasant conditions. The role involves extended periods at a teller station, repetitive hand and finger movements, handling and visually inspecting cash and documents, communicating with members and coworkers, and occasionally standing, walking, stooping, kneeling, or crouching and lifting or moving up to 20 pounds. Reasonable accommodations will be made consistent with the Americans with Disabilities Act and CUTX policy. The Teller uses approved core banking, teller capture, and member-needs tools, including approved AI-assisted workflows. The Teller must review every AI-suggested member-facing recommendation, answer, or risk prompt before acting on it, retain accountability for decisions, and stop and escalate when an output appears inaccurate, biased, non-compliant, or outside the role’s scope. Required AI training must be completed within 30 days of hire, with annual refreshers. Member non-public personal information and confidential CUTX information may only be used in AI tools explicitly approved for the relevant data classification. The role is subject to applicable CUTX policies and enterprise, AI-specific, and role-specific compliance obligations, including BSA/AML, OFAC, CIP, Regulation CC, Regulation E, GLBA, fair lending, UDAAP, information security, and branch security and cash-handling procedures. Employment with CUTX is at-will; this description is not an employment contract and may be modified as business needs require.

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 for identifying member needs.
Strong written and verbal communication skills.
Ability to multitask, prioritize, and adapt in a fast-paced, consistently changing environment.
Team-oriented, with the 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 comply with applicable CUTX enterprise, AI-specific, and role-specific compliance requirements.
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 an assigned branch during posted branch hours, which may include Saturdays.

Nice To Haves

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

Responsibilities

Accurately and efficiently process member deposits, withdrawals, transfers, loan payments, check cashing, money orders, and cashier’s checks.
Provide consistently outstanding service to internal and external members and create an unexpected, personalized service experience.
Balance the cash drawer and transactions daily, research discrepancies, and resolve them promptly according to established procedures.
Greet members, listen actively, provide accurate information about CUTX products and services, and identify financial needs through conversation and account activity review.
Recommend appropriate CUTX products and services and meet or exceed individual sales and service goals.
Refer members to Member Service Representatives, Loan Officers, or other CUTX specialists when their needs exceed the Teller’s scope.
Comply with applicable financial regulations and CUTX privacy, security, operational, and service policies and procedures.
Identify and escalate suspicious activity, potential fraud, elder financial exploitation, and transactions that trigger CTR or SAR review thresholds.
Safeguard member non-public personal information and other sensitive information and maintain confidentiality.
Safeguard branch keys, combinations, documents, records, cash, and negotiable items, following dual-control and other security procedures.
Follow branch 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 approved AI tool pilots, 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 reliance and escalate problematic outputs.
Complete assigned compliance, product, and AI training within required timeframes, including AI training within 30 days of hire and annual refreshers.
Avoid entering member NPI or confidential information into AI tools not explicitly approved for the applicable data classification, and follow role-specific prohibited-use requirements.
Meet teller variance tolerance, service and referral goals, individual sales and service goals, compliance standards, and the 100% human-in-the-loop review target.