Full-Time Universal Banker

Ridgewood Savings Bank•Town of Hempstead, NY

4d•$831 - $1,011

About The Position

The Universal Banker promotes and processes bank products, services, accounts, and transactions while providing responsive customer service. The role follows the bank’s sales process and core values, handles account openings and changes, verifies customer identification and documentation, and applies bank procedures and regulatory requirements to help prevent fraud and ensure compliance. The position also performs teller duties, balances daily transactions, maintains account records, follows up with customers, submits referrals, and assists in training new teller trainees.

Requirements

High school diploma or equivalent.
Above-average verbal and written communication skills.
Basic math skills.
Knowledge of bank products and services.
Proficiency with a personal computer.
Basic knowledge of Microsoft Office.

Nice To Haves

Banking experience preferred, or relevant experience equivalent to one year.
Pursuit of certification in life insurance, lending, or business banking is expected.

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 services, products, and account information; process requests for banking services.
Open accounts by collecting and verifying information required by CIP/CDD and the Bank Secrecy Act, and ensure customers receive and understand account disclosures.
Process transactions, account closures, and account changes according to established procedures.
Deter fraud by validating identification and signatures, reviewing customer documentation and pedigree information, examining check endorsements, and verifying holds and item validity or negotiability.
Process ATM and Debit MasterCards through the core system, ensuring accurate information and appropriate delivery methods while mitigating risk.
Perform clerical tasks assigned by Branch Management, including filing, locating account records, scanning work, and updating account information in the core system.
Follow current shredding procedures to comply with Regulation P.
Analyze and resolve customer concerns through effective verbal and written communication and established procedures.
Make follow-up calls to customers 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 transactions by counting cash, adding checks, listing transaction totals and ledger items, and identifying and correcting discrepancies.
Apply bank policies and procedures when processing transactions to ensure regulatory compliance.
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.