Personal Banking Officer

Ocean Bank; Miami (FL); On-site; USD 60,000 - 80,000; Full time

Job summary

Ocean Bank in Miami, FL, seeks a Personal Banking Officer (Main Branch) to deliver personalized customer service across engagement and account maintenance. You will assist in managing client relationships, handle transactions, and support loan processing while ensuring CIP/BSA/AML compliance.

The role requires 4+ years in retail banking, an Associate degree in Business, and strong knowledge of banking products for cross-sell. Onsite at the Main Branch in Miami.

Qualifications

• 4+ years of banking experience servicing customers in retail branch operations.
• Compliance with CIP and BSA/AML regulatory requirements.
• Knowledge of KYC procedures in banking.
• Proficiency in using MS Office (Excel/Word/Outlook).

Responsibilities

• Deliver personalized service and support across customer engagement and account maintenance.
• Assist in managing client relationships and banking functions such as transactions and loan processing.
• Ensure compliance with CIP and BSA/AML regulatory requirements.

Skills

Policy & procedures

Bank operations

Financial transactions & fraud

Team collaboration

KYC knowledge

Banking compliance

Communication skills

MS Office proficiency

Education

Associate degree in Business

Bachelor’s in Business (pref.)

Job description

The Personal Banking Officer (Main Branch) is responsible for delivering personalized service and support across all aspects of customer engagement, relationship management, and account maintenance within the branch.

Responsibilities

This role assists in managing client relationships and supports a variety of banking functions, including customer transactions, loan processing, credit analysis, overdraft and returned item handling, and general administrative tasks. The Personal Banking Officer must ensure full compliance with all applicable Customer Identification Program (CIP) and Bank Secrecy Act/Anti-Money Laundering (BSA/AML) regulatory requirements.

Qualifications

Education/Experience

• Associate’s degree in Business (Finance or Accounting).

Requirements

• 4+ years of banking experience required, directly related to servicing customers in retail banking branch operations.

Combination of education and experience will be considered.

Skills & Competencies

• Ability to understand and implement job related policies and procedures.
• Knowledgeable of internal bank operations (wire transfers, debits/credits and loan payments) and of banking products to cross-sell.
• Ability to handle financial transactions, fraud detection, and customer dispute resolution.
• Experience working in a team (sales and service), and high-quality service advocacy.
• Knowledge of the completion of KYC.
• Comprehension of banking laws and applicable compliance regulations.
• Must possess excellent verbal and written communication skills, interpersonal and organizational skills.
• Proficiency in MS Office Software, (Excel, Word, Outlook, Power Point, and Teams).

Preferences

• Bachelor’s Degree in Business Administration (Business, Finance preferred) with two (2) years of banking experience, directly related to servicing customers in retail banking branch operations.

Licenses/Certifications

• None

Job Posting Locations

In this role you can work onsite from Miami, Florida, United States