Universal Banker

About the role

The Universal Banker (teller/banker hybrid) is responsible for driving deposit growth and ensuring customer satisfaction. This role floats between teller and banker duties, identifies deposit opportunities, and offers products and services that fulfill customer needs. He/she supports efforts to maximize deposit growth, sales, customer satisfaction, and minimize operational losses with a focus on deposit operations (no lending operations).

Responsibilities

• Absorb and process customer transactions on the teller line, including cashing checks, accepting deposits and loan payments, processing withdrawals, etc.
• Open new consumer and small business deposit accounts accurately (CIP/KYC, disclosures, Reg CC holds) and set up debit cards, online and mobile banking.
• Proactively engage customers and conduct targeted outreach (follow-ups, CD maturities, new movers, community events) to grow deposits.
• Support deposit operations (no lending), including ACH and wire requests, stop payments, address/beneficiary changes, debit card replacements, and Reg E dispute intake.
• Maintain up-to-date knowledge of banking regulations to ensure the bank is in compliance with applicable laws (BSA/AML, Reg CC/E, privacy).
• Act as an escalation point for customer inquiries, using critical thinking and policy to reach the best decision; escalate BSA/AML red flags appropriately.
• Understand multiple areas of deposit banking and provide guidance in new accounts, ACH, wire transfers, online/mobile banking, and account maintenance.
• Utilize your ability to lead to bring bank staff together to execute our strategic plan; document and suggest process improvements that reduce risk and friction.
• Act as a strong team player and assist with a variety of tasks when required; maintain accurate cash and error-free account documentation.
• Understand the technical side of banking and the software utilized by bank staff; learn new systems quickly (core, digital banking, ACH/wire platforms, CRM).
• Perform other duties as assigned.

Requirements

• 0–2 years of experience in banking or customer-facing sales; banking experience preferred but not required.
• Understanding of banking regulations required; training provided.
• Experience with electronic banking desired and the ability to learn new systems quickly.
• Detail-oriented risk mitigator with accurate cash handling and documentation skills.
• Proven ability to identify opportunities targeted at deposit growth; sales experience preferred.
• Ability to work effectively in a very diverse environment with strong communication skills.
• Hard-working self-starter with curiosity to challenge processes and motivation for advancement into management.

Qualifications

• High school diploma or equivalent.
• Basic computer skills.
• Knowledge of banking products and services.

Skills

• Customer service skills.
• Attention to detail.
• Problem-solving abilities.
• Strong organizational skills.
• Ability to work independently and as part of a team.

Benefits

• Health Insurance
• Dental Insurance
• Vision Insurance
• Paid Vacation, Sick, and Holiday time
• A competitive 6% 401k match
• And more!

Pay

This role's pay range is $18.00-20.50/hour, depending on applicable experience.

Schedule

This position is located in Sioux Falls, SD and is performed in the branch.