Full-Time Universal Banker

Franklin Square•Franklin Square, NY

10h

About The Position

The Universal Banker promotes and sells bank products and services, supports customers with account and service requests, and processes a range of banking transactions in accordance with established procedures and regulatory requirements. The role includes opening and closing accounts, verifying customer identification and documentation, preventing fraud, handling cash and checks, balancing daily transactions, and resolving customer concerns. The Universal Banker also follows up with customers, submits referrals, completes assigned clerical work, and helps train new teller trainees.

Requirements

High school diploma or equivalent.
Banking experience preferred, or equivalent relevant experience of one year.
Above-average verbal and written communication skills.
Basic math skills.
Knowledge of bank products and services.
Pursuit of certification in life insurance, lending, or business banking is expected.
Proficiency using a personal computer.
Basic knowledge of Microsoft Office.

Nice To Haves

Banking experience.

Responsibilities

Promote the sale of bank products and services through the bank’s defined sales process to maximize banking relationships.
Adhere to and promote the bank’s Core Values.
Respond to customer requests and proactively approach customers and prospects about service, products, account information, and banking-service requests.
Open accounts by collecting and verifying identification and information as required by CIP/CDD and the Bank Secrecy Act.
Ensure customers receive and understand appropriate account disclosures.
Process transactions, including account closures and changes, according to established procedures.
Deter fraud by validating identification and signatures, checking customer documentation, collecting relevant pedigree information, and examining check endorsements.
Verify hold codes and details such as dates and bank names, and assess the legitimacy and negotiability of items received.
Process ATM and Debit MasterCards through the core system, ensuring accurate information for delivery and risk mitigation.
Complete clerical tasks assigned by Branch Management, including filing, locating account records, scanning work, and updating account information on the core system.
Follow current shredding procedures to comply with Regulation P.
Analyze and resolve customer concerns through verbal and written communication and established procedures.
Make follow-up calls to ensure a high level of service and receipt of pending items.
Develop comprehensive knowledge of bank products and services to provide accurate, relevant customer information.
Verify monetary transactions using basic math and a calculator.
Process customer transactions using the bank’s core operating system and cash dispenser or cash recycler.
Balance daily cash, checks, transaction totals, and ledger items; identify and correct errors when debits and credits do not balance.
Apply bank policies and procedures to ensure regulatory compliance when processing transactions.
Scan checks and ensure proper bank endorsement for accurate credit and settlement in accordance with Regulation CC.
Sell currency back to the vault as necessary to mitigate risk and comply with cash limits.
Submit referrals to designated areas through appropriate channels.
Assist with training new teller trainees by demonstrating and teaching transaction processing, observing and correcting their work, and helping them prepare to open their own teller box.