Sr. Universal Banker

About the Role

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. This role provides a variety of teller and new account services, including handling deposits, withdrawals, payments, greeting customers, and opening and maintaining accounts. The position operates office equipment, explores customer needs, and cross-sells services that align with customer interests. It also involves making referrals to other business units for banking products and services while ensuring superior customer service and compliance with Bank policies, procedures, and regulations.

Responsibilities

• Provide daily deposit services such as handling deposits, withdrawals, holds, loan payments, traveler’s checks, cashier’s checks, money orders, stop payments, telephone transfers, direct deposits, and cash advances.
• Maintain cash drawer within prescribed limits, including purchasing from and selling money to the vault as needed.
• Accurately count, receive, and disburse cash, and handle mutilated and bait currency.
• Verify and balance assigned cash drawer daily, maintain cash over/short records, and assist in identifying cash shortages.
• Ensure cash drawer variances comply with Central Bank of St. Louis guidelines.
• Prepare necessary forms for Bank Secrecy Act (BSA) compliance, including obtaining appropriate documentation from customers and non-customers.
• Acquire and maintain thorough knowledge of compliance and regulatory issues (e.g., BSA, Regulation CC, E, DD, P) and apply them in day-to-day operations.
• Understand and practice established security procedures, including roles during and after a robbery.
• Maintain a neat and orderly work area, ensuring all cash, negotiables, and confidential records are secured or disposed of properly.
• Provide exemplary customer service in person and by telephone, resolving difficult situations with tact and diplomacy.
• Open new accounts and perform account maintenance requests.
• Actively cross-sell bank products and services to new and existing customers, ensuring recommendations meet customer needs.
• Participate in the STEP program, attend sales and training sessions, set and work toward STEP 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 manage customer flow, bank processing requirements, and record-keeping.
• Acquire and maintain knowledge of all bank products and services, and attend required training.
• Assist others in the department as needed, including vault/ATM balancing, new account responsibilities, or other duties as assigned.
• May be assigned work or training at other locations.