Full-Time Universal Banker

Ridgewood Savings Bank; New York (NY); On-site; USD 38,000 - 46,000; Full time

Job summary

Ridgewood Savings Bank is seeking a customer-facing teller professional in New York. The role centers on selling bank products, providing accurate information, and maintaining compliant processes while handling routine transactions and account services.

The successful candidate will have a high school diploma, basic math skills, and strong verbal and written communication abilities, with knowledge of core banking systems and MS Office.

Qualifications

• High School Diploma or equivalent.
• Banking experience preferred or relevant experience equivalent to a year.
• Above average verbal and written communications skills.
• Basic math skills.
• Knowledge of Bank products and services.
• Pursuit of certification in life insurance, lending, or business banking expected.
• Proficient with the use of a Personal Computer.
• Basic knowledge of Microsoft Office.

Responsibilities

• Promotes the sale of Bank products and services to customers through the bank’s defined sales process to maximize banking relationships.
• Adheres to and promotes the Bank’s Core Values.
• Responds to requests and proactively approaches customers and prospects regarding service, products, and account information and processing requests for various banking services.
• Processes the opening of accounts by collecting and verifying identification and information as required by CIP/CDD per BSA; ensures customers receive disclosures.
• Processes transactions including closing of accounts; validates identification and signatures; checks documentation; ensures accuracy of information.
• Processes ATM and Debit MasterCard requests through core system with correct delivery methods.
• Performs clerical tasks and updates account information on the core system.
• Adheres to Regulation P shred procedures for compliance.
• Analyzes and resolves customer concerns through appropriate communications.
• Performs follow-up calls to ensure service levels and item completion.

Skills

Verbal communication

Written communication

Basic math

Personal Computer

Microsoft Office

Knowledge of bank products

Pursuit of certifications

Education

High School Diploma or equivalent

Tools

Core banking system

ATM/Debit processing systems

Job description

Description

Estimated starting salary is $831-$1,011 per week.

Skills & Education:

• High School Diploma or equivalent.
• Banking experience preferred or relevant experience equivalent to a year.
• Above average verbal and written communications skills.
• Basic math skills.
• Knowledge of Bank products and services.
• Pursuit of certification in life insurance, lending, or business banking expected.
• Proficient with the use of a Personal Computer.
• Basic knowledge of Microsoft Office.

Duties and Responsibilities Include:

• Promotes the sale of Bank products and services to customers through the bank’s defined sales process in order to maximize banking relationships.
• Adheres to and promotes the Bank’s Core Values.
• Responds to requests and proactively approach customers and prospects regarding service, products, and account information and processing requests for various banking services.
• Processes the opening of accounts by collecting and verifying identification and information as required by the Customer Identification Program and Customer Due Diligence (CIP/CDD) in accordance with the Bank Secrecy Act (BSA). Ensures customer receives/understands their appropriate account disclosures.
• Processes transactions including the closing of accounts and executes changes following established procedures. Deters fraud by validating customer identification and signatures, checking validity of all documentation received from customers, examining and collecting all pertinent pedigree information, and examining checks for endorsements. Verifies appropriate hold codes and other information such as dates, bank names, and the legitimacy and/or negotiability of all items received.
• Process ATM and Debit MasterCards for customers through core system, ensuring correct information for appropriate delivery methods and to mitigate risk.
• Performs clerical tasks assigned by Branch Management Team including filing, locating account records, scanning of work, and updating account information on the core system.
• Adheres to current shred procedures to be compliant with Regulation P.
• Analyzes and rectifies customer concerns through satisfactory verbal and written communications by following established procedures.
• Performs follow-up phone calls to customers to ensure exceptional level of service and all pending items are received.
• Acquires comprehensive knowledge of the products and services offered by the bank in order to provide accurate and relevant information to customers.
• Verifies accuracy of monetary transaction by employing basic math skills and utilization of a calculator.
• Processes various customer transactions through effective use of the Bank’s core operating system and cash dispenser or cash recycler.
• Balances daily by counting cash, adding checks, listing transaction totals, and various ledger items. Additionally, identifies and corrects transaction errors when debits and credits do not balance.
• Ensures regulatory compliance by applying bank policies and procedures when processing transactions.
• Performs scanning of checks and ensures proper bank endorsement in order to receive accurate credit and settlement in accordance with Regulation CC.
• Sells currency back to the vault as necessary in order to mitigate risk and be compliant with set cash limit.
• Submit referrals to designated areas through appropriate channels.
• Assists with training of new teller trainees, by demonstrating and teaching appropriate transaction processing, observing and correcting the trainees as they perform transactions, and assisting them in preparing to open their own teller box.

Behaviors

• Enthusiastic: Shows intense and eager enjoyment and interest
• Detail Oriented: Capable of carrying out a given task with all details necessary to get the task done well

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.