Universal Banker/Teller

Carver Federal Savings Bank•New York, NY

5d•Onsite

About The Position

The Universal Banker is the first point of contact for most clients visiting a Carver branch. The role combines accurate transaction processing, warm and informed client service, product education, and qualified referrals to Personal Bankers. Universal Bankers help clients feel welcomed, answer questions about basic account matters, address minor service concerns, and connect clients with banking services suited to needs beyond the transaction window. They also promote digital banking tools and contribute to branch growth by meeting individual referral goals. The role requires precise cash handling and adherence to operational, regulatory, and security procedures. Universal Bankers balance cash drawers, support vault and ATM activities, process night deposits, and escalate suspicious activity or operational exceptions. They maintain a professional teller station, work collaboratively with branch colleagues, and incorporate coaching from branch leadership. The position is based in Harlem, Manhattan, and follows branch hours, including rotating Saturdays and some evenings as business requires. Carver describes the role as an entry point to a career path that may progress to Relationship Banker, Senior Relationship Banker, and beyond. The bank offers a competitive total rewards package that includes performance-based incentive opportunity, comprehensive medical, dental, and vision coverage, and paid time off.

Requirements

High school diploma or equivalent.
Previous cash handling experience in a retail, banking, or customer service environment.
Strong attention to detail and numerical accuracy, including the ability to balance and reconcile under pressure.
Demonstrated customer service skills and a genuine interest in helping people.
Availability for branch hours, including rotating Saturdays.

Nice To Haves

Prior banking or credit union experience in a teller or client service role.
Bilingual fluency in Spanish, Haitian Creole, French, or other languages spoken across Harlem, Brooklyn, and Queens.
Experience in a community bank, CDFI, or MDI environment.

Responsibilities

Process client transactions accurately and efficiently, including deposits, withdrawals, check cashing, payments, money orders, cashier's checks, wire transfer intake, and cash advances; maintain a balanced cash drawer at the end of every shift.
Welcome clients warmly, give each interaction full attention, and provide friendly, informed service.
Answer questions about account balances, transaction history, holds, and basic account features, escalating matters that require a more advanced conversation.
Resolve minor service concerns when appropriate, use good judgment about escalation, and follow up to ensure client satisfaction.
Monitor wait times and lobby flow, communicate proactively with waiting clients, and keep the client experience organized and professional.
Identify client needs and make informed referrals to Personal Bankers for account openings, consumer loans, CD inquiries, digital banking enrollment, and other needs beyond the immediate transaction.
Introduce Carver products and services naturally and meet individually assigned referral goals.
Educate clients about mobile banking, online account access, and self-service features, and offer assistance with setup.
Participate in branch sales huddles, share client observations and referral activity, and remain accountable to daily goals.
Balance the cash drawer at the end of every shift, investigate differences immediately, and report discrepancies to the Branch Manager without delay.
Follow operational procedures, including dual-control requirements, vault access protocols, large cash transaction reporting, and currency transaction report preparation.
Follow BSA/AML and OFAC screening requirements for applicable transactions and complete required compliance training on schedule.
Identify and immediately report suspicious activity, potential fraud, and operational exceptions to the Branch Manager.
Maintain a clean, organized, and professional teller station.
Support branch operations through vault balancing, ATM replenishment and balancing, night deposit processing, and other tasks assigned by the Branch Manager.
Contribute to a supportive branch culture and accept and apply coaching from the Branch Manager, Assistant Branch Manager, or Senior Banking Associate.