Teller, Finance & Banking

Position Summary

The Teller is a front‑line ambassador for Credit Union of Texas, responsible for accurately and efficiently processing member financial transactions while delivering an exceptional, personalized service experience with every interaction. The Teller identifies member financial needs through active listening and conversation, recommends appropriate CUTX products and services to meet those needs, and contributes to branch sales and service goals. The role operates within strict regulatory, security, and confidentiality requirements and uses CUTX‑approved technology and AI‑assisted tools to support accurate transaction processing and member needs identification.

• Accurately and efficiently process member transaction requests, including deposits, withdrawals, transfers, loan payments, check cashing, money orders, and cashier's checks.
• Deliver an unexpected experience by providing consistently outstanding service to internal and external members with every interaction.
• Balance cash drawer and transactions daily in accordance with established procedures; research and resolve discrepancies promptly.
• Greet members warmly, listen actively to identify financial needs, and provide accurate information about CUTX products, services, and account features.

• Identify member financial needs through conversation and review of account activity, and recommend appropriate CUTX product and service solutions.
• Meet or exceed individual sales and service goals (referrals, product recommendations, member satisfaction) established by branch leadership.
• Refer members to Member Service Representatives, Loan Officers, or other CUTX specialists when needs extend beyond the Teller's scope.

• Remain compliant with all applicable financial regulations, including BSA/AML, OFAC, Regulation CC (funds availability), USA PATRIOT Act/CIP, and CUTX privacy and security policies.
• Identify and escalate suspicious activity, potential fraud, elder financial exploitation, and any transaction that triggers Currency Transaction Report (CTR) or Suspicious Activity Report (SAR) review thresholds.
• Perform job duties within CUTX bylaws, regulations, Board of Directors policies, established internal and external service standards, and documented work procedures.

• Protect member non‑public personal information (NPI) and other sensitive information by maintaining confidentiality and adhering to CUTX's privacy policy.
• Accept responsibility for branch security by safeguarding keys, combinations, documents, records, cash, and negotiable items in accordance with dual‑control and other security procedures.
• Follow opening, closing, and cash‑handling procedures, including cash limits and overage/shortage reporting.

• Use CUTX‑approved core banking, teller capture, and member‑needs tools accurately and efficiently.
• Participate in pilots of CUTX‑approved AI tools that support transaction accuracy, member‑needs identification, and knowledge lookup; provide feedback and adopt approved enhancements.
• Complete all assigned compliance, product, and AI training within required time frames.

Primary KPI

Member transactions are processed accurately and the cash drawer balances daily.

Monthly:
Member transactions accurately processed and cash drawer balances daily.

Monthly:
Members receive fast, friendly experience that drives loyalty – Target confirmed with VP, Retail Delivery.

Monthly:
Qualified referrals/cross‑sell recommendations per teller – Target confirmed with VP, Retail Delivery.

Monthly:
Individual sales & service goal attainment – percent of monthly goal achieved. Target: ≥ 100%.

Quarterly:
Compliance exception rate – count of compliance findings per audit cycle (CTR, holds, , etc.). Target: zero material exceptions.

Monthly:
Human‑in‑the‑loop review rate on AI member‑facing outputs – percent of AI‑suggested product recommendations or knowledge answers reviewed by teller before delivery to member. Target: 100%.

• High school diploma or General Education…