Universal Banker

Montgomery, AL
Metro City Bank | Montgomery Branch
2779 Bell Road
Montgomery, AL 36117, USA

• Promote and maintain positive relations with all contacts, customers and potential customers
• Perform as a team member in allocating and coordinating the work flow
• May train new employees and answer co‑worker questions
• May be responsible for bank opening/closing
• Teller transactions
• Open and Close Vault
• Promote, explain, and sell all banking products
• Prepare wire transfer for customers and ensure proper OFAC verification is performed before submitting the wire transfer
• Perform all duties in compliance with BSA/AML regulations and requirements
• Obtains adequate data for CIP on all wire and money instrument transactions
• Ensure proper customer information is collected and OFAC verification is performed before opening an account
• Perform Risk Rating Assessment and Due Diligence for all customers
• Maintain and update customer information
• Monitors and reports suspicious activity to the BSA Officer

• Greets customers and coworkers in a friendly manner
• Uses common courtesy when speaking with customers and coworkers
• Communicates clearly and effectively in writing and speaking
• Reacts to feedback appropriately
• Able to communicate negative information positively and professionally

• Familiar with the overall BSA/AML regulations and requirements
• Exhibits adequate knowledge of the following: CIP, Account Risk Assessment, Customer Due Diligence, CTR, OFAC, Cash purchase of monetary instruments, Originating Bank, Beneficiary Bank, TIN, NRA, HIDTA, HIFCA and SAR
• Exhibits adequate knowledge of the following concepts: placement, layering, and integration
• Familiar with the reporting requirements pertaining to currency transactions, cash purchase monetary instruments, wire transfers and opening of an account
• Exhibits adequate knowledge of regulations governing consumer laws pertaining to deposits or loans products
• Knows where and to whom any "suspicious" activity should be reported

• Demonstrates commitment to providing quality service to customers
• Makes commitments that are within the scope of the position
• Accepts responsibility for own work
• Maintains strong commitment to the bank's conduct/accuracy guidelines
• Takes responsibility for a thorough and detailed method of working

• Values diversity, differences in experience, backgrounds, and opinions of others
• Treats all people with dignity and honesty
• Shows respect and sensitivity for cultural differences
• Respects the confidential nature of information
• Maintains composure when dealing with the unexpected

• Promotes teamwork with flexibility and cooperation
• Works in the best interest of their team to achieve overall Bank goals
• Knows when to ask for help, solicit input from appropriate resources
• Works effectively and productively with all areas of the Bank

• Knowing the (internal and external) customer business needs and acting accordingly
• Giving high priority to customer satisfaction and customer service

• Understands policies, procedures, and regulations related to their job description
• Has the product and operational knowledge needed to do the job
• Has the technical skills required to do the job and uses technology appropriately
• Remains current on all Bank communication

• Continues to develop knowledge of Metro City Bank products, services, and procedures
• Demonstrates commitment to continuous learning and improvement
• Remains current on all Compliance courses as assigned

• High school Diploma or equivalent

• Previous Customer Service Experience
• Software skills including Microsoft Office, Adobe, Internet, and Email

• Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals
• Ability to write routine reports and correspondence
• Ability to speak effectively before customers or employees of organization
• This job operates in a professional work environment
• The role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines

While performing the duties of this Job, the employee is…