Universal Banker I

Metro City Bank•LaGrange, GA

About The Position

The Universal Banker provides branch customers with services including teller transactions, opening new accounts, changing addresses, and responding to customer inquiries. The role promotes positive customer relationships, supports branch workflow as a team member, and may train new employees or assist coworkers. It may also involve opening or closing the bank and opening or closing the vault. The position promotes, explains, and sells banking products and performs customer and transaction due diligence in accordance with BSA/AML requirements. Duties include preparing wire transfers, verifying OFAC compliance, collecting and maintaining customer information, conducting customer risk assessments and due diligence, and reporting suspicious activity to the BSA Officer. The employee is expected to follow applicable policies, procedures, regulations, and customer-service standards.

Requirements

High school diploma or equivalent.
Previous customer service experience.
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
Ability to write routine reports and correspondence.
Ability to speak effectively before customers or employees of the organization.
Software skills including Microsoft Office, Adobe, internet, and email.
Knowledge of policies, procedures, and regulations related to the job, along with the product, operational, and technical knowledge needed to perform the work.
Familiarity with BSA/AML regulations and requirements, including CIP, account risk assessment, customer due diligence, CTR, OFAC, cash purchases of monetary instruments, originating and beneficiary banks, TIN, NRA, HIDTA, HIFCA, and SAR.
Knowledge of placement, layering, and integration, and of reporting requirements for currency transactions, cash purchases of monetary instruments, wire transfers, and account openings.
Knowledge of regulations governing consumer laws pertaining to deposit or loan products.
Ability to identify where and to whom suspicious activity should be reported.

Nice To Haves

Previous teller experience.
Bilingual skills.

Responsibilities

Promote and maintain positive relations with customers, potential customers, coworkers, and other contacts.
Participate as a team member in allocating and coordinating workflow.
May train new employees and answer coworkers’ questions.
May be responsible for opening and closing the bank.
Perform teller transactions and open and close the vault.
Promote, explain, and sell banking products.
Prepare customer wire transfers and ensure proper OFAC verification before submission.
Perform duties in compliance with BSA/AML regulations and requirements.
Obtain adequate Customer Identification Program (CIP) data for wire and money-instrument transactions.
Collect appropriate customer information and complete OFAC verification before opening accounts.
Perform risk-rating assessments and due diligence for all customers.
Maintain and update customer information.
Monitor and report suspicious activity to the BSA Officer.
Provide quality customer service and communicate professionally with customers and coworkers.
Remain current on bank communications and assigned compliance courses.