Account Specialist

The Account Opening Specialist acts as an Onboarding Concierge, responsible for orchestrating a high-touch onboarding journey for customers. Working as a strategic partner to Business Bankers, this role is responsible for proactively gathering documentation, opening business accounts and configuring treasury/cash management services efficiently to ensure every client feels prioritized and expertly guided into our banking ecosystem. This team is committed to the client's immediate success through same-day execution-a promise that their business will be fully operational within 24 hours of warm hand-off, supported by uncompromising accuracy and a partnership-first mindset.

• Partner closely with Business Bankers to receive warm introductions and transition new clients smoothly into the account opening process.
• Conduct online research to obtain and verify necessary customer documentation from public sources to facilitate the account opening process (e.g., Articles of Organization, Operating Agreements, EIN verification).
• Engage directly with business owners and representatives to collect any additional, necessary legal, financial, and identification documentation (e.g., Driver's License, beneficial ownership forms).
• Review documentation for completeness, accuracy, and adherence to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Customer Due Diligence (CDD/KYC) requirements.
• Effectively navigate interactions with diverse business owners and stakeholders, adapting communication styles to suit various personalities and business needs.
• Provide Proactive Status Transparency by keeping clients informed of milestone progress (e.g., documentation verification, system setup, compliance review) so they never feel the need to request an update.
• Input customer, business, and account data into core banking and service systems with high precision.
• Configure account and associate business services parameters (e.g., online/mobile banking, wire transfer capabilities, ACH origination, remote deposit capture, positive pay, user accessibility).
• Apply predetermined, appropriate transaction limits, risk parameters, and approval workflows based on the client's profile and approved service agreements.
• Conduct dedicated follow-ups with clients to guide them through the final activation steps.
• Provide personalized, high-touch training to client administrators and end-users on banking platforms and services.
• Serve as an immediate point of contact for client troubleshooting during the initial onboarding window.
• Drive Digital Self-Sufficiency by training clients to independently execute their first transaction, successfully moving them from "onboarded" to "empowered".
• Maintain a tight cadence of communication with Business Bankers and support departments to ensure internal alignment, operational synchronization, and seamless hand-offs throughout the client onboarding lifecycle.
• Uphold our commitment to client success by completing all service provisioning within a 24-hour service level agreement.
• Orchestrate a "Warm Transfer" of the relationship to Portfolio Managers or Branch staff through personal introductions, ensuring a seamless continuity of service and advocacy.
• Identify and elevate complex compliance edge cases or operational bottlenecks promptly to management.

• Education:
  
  Bachelor’s degree preferred in business, finance, communication or related field.
• Experience:
  
  2+ years of experience in retail/business banking operations, deposit setup, or treasury management support.
• Entity Knowledge:
  Solid understanding of business entity structures (LLCs, Corporations, Partnerships, Non-Profits) and requisite legal documentation.
• Regulatory Compliance:
  Working knowledge of CIP, KYC, BSA/AML, and Beneficial Ownership rules.
• Research
  
  Skills:
  
  Ability and knowledge to research and obtain necessary customer documentation from various online sources (e.g., Secretary of State websites, State Corporation Commission websites, regulatory databases).
• Speed & Accuracy:
  Exceptional data entry skills with high attention to detail in a deadline-driven environment.
• Client Experience Orchestration:
  Ability to act as a client advocate, utilizing proactive communication to guide business owners through digital adoption while building rapport and articulating operational steps clearly to both clients and the Business Banking team.
• Technical Aptitude:
  Comfort navigating core banking systems, digital onboarding portals, and treasury management…