Junior Universal Banker; Trainee

• Job Type: Full-Time
• Job Schedule:
  
  Onsite (No Remote Option)
• Hourly Rate: $20-21.50 per hour (DOE)

The Junior Universal Banker / Junior Universal Banker - Trainee serves as a front-line representative of the Bank, providing quality customer service and supporting clients' day-to-day banking needs. This role processes transactions, opens accounts, identifies customer needs, and recommends or refers appropriate products and services to strengthen customer relationships while ensuring accuracy and compliance with applicable regulations, including BSA, CTR, OFAC, and CIP.

• With a firm understanding of the bank products/services and the customer's current relationship, offers information on Bank products and services that can benefit the customer and enhance their banking relationship. Carefully evaluates needs of potential customers and offers appropriate financial products and services resulting in referrals.
• With a firm understanding of the bank products/services and the customer’s current relationship, offers information on Bank products and services that can benefit the customer and enhance their banking relationship. Carefully evaluates needs of potential customers and offers appropriate financial products and services resulting in referrals.
• Receives checks and cash for deposit to savings, certificate of deposit and checking accounts, verifies deposit amounts, examines checks for endorsement and negotiability.
• Cashes check and pays money from savings and checking account upon verification of signatures and customer account balances. Inspects all checks,cashier’s check, money orders, savings/certificate of deposit withdrawals, to determine their negotiability.
• Prepares and compiles new customer application and information to open new accounts.
• Provides ongoing relationship servicing with current customers to maintain goodwill and gain additional business.
• Informs and advises customers of status or enhancements to current account productivity, and suggests resolution on account disputes and other account activity.
• Responds to customer inquiries and requests regarding account.
• Uses customer interactions as an opportunity to educate and cross-sell customers on Bank's products and services, including deposit accounts and loans. Exercises sound customer service and sales techniques to identify customers' needs. Fully explains the features and benefits of the Bank's accounts and services making appropriate referrals based on customers' needs.
• Acts as an expert and trusted resource for all direct-to-consumer products including online & mobile banking, mobile check deposit, bill pay, funds transfer, online statements, online loan & deposit acquisition, telephone & text message banking, ATMs, and the Bank's corporate website, among others.
• Supports Bank security and fraud prevention efforts by identifying, investigating (within scope), and promptly escalating suspicious activity, potential fraud, and policy exceptions to appropriate internal teams in accordance with Bank procedures.
• Maintains strict adherence to all Bank policies and procedures as well as Federal and State banking regulations, including but not limited to Bank Secrecy Act (BSA), Anti-Money Laundering (AML) requirements, Customer Identification Program (CIP), Know Your Customer (KYC) standards, OFAC compliance, and Currency Transaction Report (CTR) monitoring and escalation requirements. Ensures accurate identification, documentation, and reporting of suspicious or reportable transactions in accordance with regulatory guidelines and Bank policy.
• Maintains a firm understanding of new products and services.
• Generates new business to assist in meeting establishment profitability goals.
• Answers and routes telephone calls, takes messages, provides information and directs calls to appropriate staff as necessary.
• Manages multiple priorities and holds self-accountable for performance.
• Maintains a professional appearance and exhibits behavior that is in accordance with Bank policy and standards.
• Assist Branch Manager or Customer Service Manager on projects as necessary.
• Receives bank visitors, provides information…