Universal Banker

Central Bank; Des Peres (MO); On-site; USD 26,000 - 36,000; Full time

Job summary

Central Bank in Des Peres, MO seeks a customer-focused teller to open new accounts and support daily banking needs. You will handle deposits, withdrawals, and payments, while cross-selling suitable products to meet client goals.

Attention to detail, compliance with BSA and related regulations, and a professional, friendly manner are essential to delivering superior service to customers. Experience with balancing cash drawers, maintaining records, and participating in training programs is

Qualifications

• Knowledge of Bank Secrecy Act and related regulations
• Excellent customer service and communication skills
• Ability to cross-sell suitable banking products

Responsibilities

• Open new accounts and perform account maintenance requests.
• Provide daily deposit services and handle cash transactions.
• Maintain cash drawer and balance daily; manage vault transactions as needed.
• Perform teller and customer service duties with a focus on accuracy and security.
• Cross-sell bank products and services to customers; refer to other business units as appropriate.
• Follow bank policies, procedures, and regulatory requirements, including BSA and Reg CC.

Job description

Position Summary

The individual in this position will primarily serve in the capacity of opening new accounts but may occasionally fill in on the teller line when needed. Individuals in this position provide a variety of teller and new account services such as handling deposits, withdrawals, payments, greeting customers and opening and maintaining accounts. Operates a variety of office equipment. Explores customer needs and cross-sells services that are in the best interest of the customer. Make appropriate referrals to other business units for traditional and non-traditional banking products and services. Provides superior service to customers. Conducts relationships and activities consistent with established Bank policies, procedures and systems, the corporate code of conduct, Bank Secrecy Act and all applicable State and Federal laws and regulations.

• Provide daily deposit services such as handling deposits, withdrawals, holds, loan payments, travelers checks, cashier’s checks, money orders, stop payments, telephone transfers, direct deposits, cash advances, and other related matters.
• Maintain cash drawer within prescribed limits. Purchase from and sell money to vault as needed.
• Accurately count, receive and disburse cash and accurately handle mutilated and bait currency.
• Verify and balance assigned cash drawer daily. Maintain cash over and short record. Assist in identifying cash offages. Maintain cash drawer variances within Central Bank of St. Louis guidelines.
• Prepare necessary forms for proper completion of the Bank Secrecy Act (BSA) requirement. Includes obtaining appropriate documentation from customers and non-customers.
• Acquire and maintain thorough knowledge and understanding of compliance and regulatory issues relating to teller and customer service areas (i.e. Bank Secrecy Act, Regulation CC, E, DD, P, etc.) evidenced by appropriate application of these regulations in day-to-day operations.
• Acquire and maintain thorough understanding of security procedures; practice established procedures. Understand role in case of robbery, whether victim or bystander, and know proper post-robbery procedures.
• Maintain a neat and orderly work area and ensure that all cash, negotiables and confidential records are secured and/or disposed of properly.
• Consistently demonstrate proficiency in providing exemplary customer service in person and by telephone. Actively listen to our customers, and maintain a friendly, positive and professional attitude. Resolve difficult situations with tact and diplomacy. Look for creative ways to make customers feel appreciated and special.
• Opens new accounts and performs account maintenance requests.
• Actively take advantage of all sales opportunities, cross-selling bank products and services to new and existing customers, ensuring recommended products and services meet the needs of customers.
• Actively participate in STEP program; attend appropriate sales and STEP training; utilize STEP program initiatives; work with manager to set STEP goals and make every effort to reach targeted goals. Make referrals to other business units for traditional and non-traditional banking products and services.
• Participate in sales programs to generate new customers.
• Arrange daily work plans to handle customer flow and bank processing requirements, provide customer service and meet bank record keeping requirements.
• Acquire and maintain knowledge of all bank products and services.
• Attend all required training.

Additional Duties And Responsibilities

Assist others in the department/facility as needed and/or directed. May be assigned vault and/or ATM balancing responsibilities. May be assigned new account responsibilities. May be assigned other duties and responsibilities. May be assigned work or training at other assigned locations.