Reserve Teller

Farmers & Merchants Bank of Long Beach; Santa Ana (CA); On-site; USD 36,000 - 48,000; Full time

Job summary

Farmers and Merchants Bank of Long Beach seeks a Reserve Teller to handle deposits, withdrawals, and transfers across multiple branch locations with accuracy and strong customer service. The role requires balancing daily transactions and maintaining cash accountability in a compliant environment.

Candidates should have a high school diploma and preferably six months of teller experience. Expect rotation across branches and adherence to security procedures and company policies.

Qualifications

• High School Diploma or equivalent required.
• Preferred candidate will have 6 months teller experience within the past three years.

Responsibilities

• Process teller transactions including deposits, withdrawals, checks, and payments.
• Receive deposits and verify negotiability and endorsements.
• Identify potential fraud or elder abuse and notify management.
• Balance currency and checks in cash drawers at end of shift.
• Explain, promote, or sell bank products and services.
• Comply with applicable regulations and bank security guidelines.
• Travel to and service multiple branch locations with rotating assignments.

Skills

English language proficiency

Basic mathematics

Customer service

Critical thinking

Active listening

Sales communication

Team communication

Handling difficult customers

Education

High School Diploma or equivalent

Tools

Desk Top Computers

Currency Machines

Scanners

Job description

The Reserve Teller is responsible with providing exceptional customer service in relation to processing deposits, withdrawals, transfers, and other operational transactions in accordance with established policies and procedures while servicing multiple branch locations. The Reserve Teller is responsible for balancing daily transactions and providing security for assigned cash and transaction documentation. The Reserve Teller covers multiple branch locations and will rotate job assignments on a consistent basis.

• Process various teller transactions such as deposits, cash checks, cash withdrawals, cash advances, Bank Card payments, loan payments, safe deposit payments, issuance and negotiation of monetary instruments, and Savings Bonds redemption.
• Receive checks and cash for deposits, examine checks for negotiability and proper endorsements, verify pertinent customer and account information such as dates, bank names, identification of the persons receiving payments, legality of the documents, check accuracy of deposit slips, verify written and other numerical amounts agreed, verify that accounts have sufficient funds, prepare and verify monetary instruments.
• Identify transactions with potential fraud or suspected Elder Abuse and notify Branch Management.
• Review customers’ accounts and answer basic customers’ questions pertaining to account activity.
• Count currency, coins, and checks received by hand or using currency-counting machine and prepare them for deposit or shipment.
• Maintain accurate transactional journals by correctly listing all incoming and outgoing cash by denomination, utilizing proper transaction functions.
• Enter customer transactions into computers to record transactions and issue computer-generated receipts.
• Balance currency, coin and checks in cash drawers at end of shift, calculating daily transactions using computer, calculator machines, and transactional journals, electronic or manual, must be accurate in accordance with teller procedures.
• Identify transaction mistakes when debit or credits do not balance and arrange monies received in cash boxes and coin dispensers according to denomination.
• Explain, promote, or sell consumer products or services.
• Adhere to cash pay limits.
• Comply with federal, state, and internal regulations.
• Comply with Bank security guidelines and procedures.

The teller position has multiple levels, and each level is defined in the Teller Classifications document. The Teller Classifications document will include additional essential duties and required knowledge and skills for each level.

Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security, and privacy requirements. This position will elevate suspicious activity to supervisory staff and/or BSA department. Completes compliance and other technical training workshops as assigned.

Required Knowledge

• Regulation CC
• Regulation DD
• Regulation D
• Regulation E
• Bank Secrecy Act
• Security/Robbery Procedures
• FDIC Insurance
• Privacy Laws
• Teller Operations and Procedures
• Hand delivered Merchant Bags Procedures
• Night Drop Depository Procedures
• Complaint Documentation Policy

Basic Knowledge, Skills, and Abilities

• Clear understanding of the English Language (Spoken & Written)
• Basic Mathematics Skills
• Customer Service Skills
• Critical Thinking, Judgment & Problem-Solving Skills
• Ability to actively listen & learn.
• Ability to use oral communication techniques to sell products or services.
• Ability to respectfully communicate with Supervisors and Co-workers
• Ability to effectively deal with unpleasant, angry, or discourteous people.

Equipment Operated

• Desk Top Computers
• Currency Machines
• Scanners
• Standard Office Equipment

Physical Requirements & Work Environment:

• Requires repetitive movement.
• Requires standing and/or sitting for prolong periods of time.
• Requires lifting to 40lbs.
• Requires using hands to handle, control or feel objects.
• Office setting w/controlled temperature

Job Summary

The Reserve Teller is responsible with providing exceptional customer service in relation to processing deposits, withdrawals, transfers, and other operational transactions in accordance with established policies and procedures while servicing multiple branch locations. The Reserve Teller is responsible for balancing daily transactions and providing security for assigned cash and transaction documentation. The Reserve Teller covers multiple branch locations and will rotate job assignments on a consistent basis.

Essential Duties

• Process various teller transactions such as deposits, cash checks, cash withdrawals, cash advances, Bank Card payments, loan payments, safe deposit payments, issuance and negotiation of monetary instruments, and Savings Bonds redemption.
• Receive checks and cash for deposits, examine checks for negotiability and proper endorsements, verify pertinent customer and account information such as dates, bank names, identification of the persons receiving payments, legality of the documents, check accuracy of deposit slips, verify written and other numerical amounts agreed, verify that accounts have sufficient funds, prepare and verify monetary instruments.
• Identify transactions with potential fraud or suspected Elder Abuse and notify Branch Management.
• Review customers’ accounts and answer basic customers’ questions pertaining to account activity.
• Count currency, coins, and checks received by hand or using currency-counting machine and prepare them for deposit or shipment.
• Maintain accurate transactional journals by correctly listing all incoming and outgoing cash by denomination, utilizing proper transaction functions.
• Enter customer transactions into computers to record transactions and issue computer-generated receipts.
• Balance currency, coin and checks in cash drawers at end of shift, calculating daily transactions using computer, calculator machines, and transactional journals, electronic or manual, must be accurate in accordance with teller procedures.
• Identify transaction mistakes when debit or credits do not balance and arrange monies received in cash boxes and coin dispensers according to denomination.
• Explain, promote, or sell consumer products or services.
• Adhere to cash pay limits.
• Comply with federal, state, and internal regulations.
• Comply with Bank security guidelines and procedures.

Teller Levels & Classifications

The teller position has multiple levels, and each level is defined in the Teller Classifications document. The Teller Classifications document will include additional essential duties and required knowledge and skills for each level.

Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security, and privacy requirements. This position will elevate suspicious activity to supervisory staff and/or BSA department. Completes compliance and other technical training workshops as assigned.

Required Knowledge

• Regulation CC
• Regulation DD
• Regulation D
• Regulation E
• Bank Secrecy Act
• Security/Robbery Procedures
• FDIC Insurance
• Privacy Laws
• Teller Operations and Procedures
• Hand delivered Merchant Bags Procedures
• Night Drop Depository Procedures
• Complaint Documentation Policy

Basic Knowledge, Skills, and Abilities

• Clear understanding of the English Language (Spoken & Written)
• Basic Mathematics Skills
• Customer Service Skills
• Critical Thinking, Judgment & Problem-Solving Skills
• Ability to actively listen & learn.
• Ability to use oral communication techniques to sell products or services.
• Ability to respectfully communicate with Supervisors and Co-workers
• Ability to effectively deal with unpleasant, angry, or discourteous people.

Equipment Operated

• Desk Top Computers
• Currency Machines
• Scanners
• Standard Office Equipment

Physical Requirements & Work Environment:

• Requires repetitive movement.
• Requires standing and/or sitting for prolong periods of time.
• Requires lifting to 40lbs.
• Requires using hands to handle, control or feel objects.
• Office setting w/controlled temperature

Education and Experience

• High School Diploma or equivalent required
• Preferred candidate will have 6 months or more teller experience within the past three years.

Additional Requirements

• Professional business attire
• Must travel to various bank locations.
• Some Saturday hours are required.

This job description is not intended to be all-inclusive, and employees will be required to perform additional related work duties as assigned by their immediate supervisor and/or management.

Farmers and Merchants Bank of Long Beach reserves the right to revise or change job duties and responsibilities as the need arises. This job description does not constitute a written or implied contract of employment.