Research & Adjustments Rep III

Bank of America

Florida

On-site

USD 52,000 - 72,000

Full time

2 days ago

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Job summary

Bank of America is seeking a Research & Adjustment Representative IIIs in the United States. You will review complex documents, resolve escalations, and ensure compliance with bank guidelines and regulations while maintaining a high-volume client portfolio.

You will independently manage work queues, document actions clearly, and deliver accurate results to support seamless client care and risk management.

Qualifications

1+ years of experience working with clients in a service setting such as banking or retail.
Strong written communication to document activity in systems and correspondence.
Ability to follow complex procedures and stay current with updates.

Responsibilities

Resolve complex and time-sensitive research and adjustment inquiries.
Handle escalations with clear communication by email and phone.
Review documents to ensure compliance with bank guidelines and laws.
Maintain high-volume portfolios and document actions taken for clients.
Manage work queues to meet deadlines and service level agreements.
Take ownership to get processes right the first time for clients.

Skills

Attention to Detail

Critical Thinking

Customer Focus

Pipeline Management

Research

Active Listening

Decision Making

Problem Solving

Written Communications

Adaptability

Collaboration

Risk Management

Education

High School Diploma / GED / Secondary School or equivalent

Job description

Job Description:

At the company, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. the company is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At the company, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!

Job Description:This job is responsible for resolving research and adjustment inquiries within the bank's practices and procedures. Key responsibilities include investigating daily incoming research and adjustment inquiries, resolving differences, answering service requests and inquiries received from various channels, determining accounting entries, and making appropriate disposition. Job expectations include handling more complex and escalated cases that may have a large monetary value or are aged risk cases pending charge-off.

Within NS&S, a team of Research & Adjustment Representative IIIs reviews complex account opening legal and bank documents to ensure that they meet bank guidelines prior to account opening or modification. Documents may include Powers of Attorney, trust documents, campaign documents, etc. These employees will carefully review the documents and provide guidance to Financial Center partners to deliver seamless client care for complex and escalated client situations. They will ensure that all cases are resolved in compliance with industry regulations and bank procedures, integrity of the department's case management system and financial controls. Cases are worked from the OneService case management tool.

Responsibilities

Assists peers and leadership with resolving complex, time sensitive exceptions

Handles escalations received from business partners by providing clean concise communication through email and phone

Contributes to improving process efficiencies by supporting the review and validation of departmental procedures

Performs routine or complex account maintenance depending on client account type

Maintains high-volume portfolios

Documents actions taken on behalf of the client

Delivers a positive client experience based on one of the enterprise Client Care pillars - Get it Right - to ensure accurate processing the first time

Independently manages a work queue according to deadlines and deliverables dictated by service level agreement timelines, taxing authority deadlines, or business procedures

Determines if each request is valid and identifies the process needed to fulfill the request

Makes reasonable decisions about how to fulfill requests based on balancing the request of the customer with bank guidelines that maximize client satisfaction while minimizing bank risks and penalties

Executes the intricate process to fulfill the request using multiple systems and correcting for out of balance and out of compliance scenarios as directed by the product or by regulations governing the product transactions

Accurately documents activity and responds to partners using proper business formats and grammar/spelling/punctuation

As each team member gains expertise, team members assist each other with challenging scenarios, conduct procedure reviews, may provide information for project teams and other activities as requested.

During every document review, a Research & Adjustment Representative

Delivers a positive client experience based on enterprise Client Care pillars - Take Ownership, Act with Empathy, Make it Easy, Get it Right

Gains a full understanding of the client's situation and options for meeting the client's needs by carefully reviewing existing accounts, information submitted by the FC partner and supporting documents using multiple systems

Provides a recommended course of action that is compliant with all guidelines and is in the client's best interest

Maintains adherence to service level agreements and all laws, rules and regulations

Requirement Qualifications

1+ years of experience working with clients and handling difficult client situation in a service setting such as banking, food service, retail, sales etc.

Basic understanding of banking product and operations

Ability to closely follow complicated procedures that contain guidance regarding document acceptability, including those procedures that are state-specific.

Strong, accurate written communication skills to clearly document activity in proper business writing in systems of record and in correspondence with others

A desire to advocate for internal/external clients to meet and exceed their expectations (Customer focus)

Interpersonal verbal communication skills that build rapport and trust, deliver information in an easy to understand manner, and clearly articulate why a solution is the best course of action

Ability to breakdown complex problems into sequential priorities and then select solutions to resolve the entire problem (Analytical, critical and design thinking)