Universal Banker

Description

The Universal Banker is the front line of Customer Service at Legacy Bank with the overall purpose of providing quality and efficiency to customers. This position will demonstrate outstanding customer service and a thorough understanding of all products and services that create a valuable and long-lasting banking relationship. They will be required to be knowledgeable in all new account processes while understanding bank regulations required to be compliant. This position will educate customers about the various ways to bank with Legacy Bank and refer the appropriate products and services matching the customer needs. They will also be responsible for providing personalized banking services to the financial institution customer by performing the following duties.

Are you passionate about providing exceptional customer service and financial solutions? Do you thrive in a dynamic, fast paced environment? If so, we want you to be part of our team. Apply now and take the first steps towards a rewarding career with Legacy Bank!

Major Duties & Responsibilities

• Prepare, comply, and assist customers with opening and closing all types of accounts, including:
  
  • Personal accounts
  • IRAs
  • CDs
  • HSAs
  • Business accounts

• Assist customers with:
  
  • Wire transfer requests
  • Ordering checks and debit cards
  • Customer information updates
  • Stop payments
  • Account ownership changes
  • Endorsement questions
  • Safe deposit boxes
  • Possible fraud/forgery situations
  • Various other account maintenance items

• Demonstrate a strong understanding of bank products and services, as well as the customer's current relationship.
  
  • Offer relevant products/services to enhance the customer's banking experience.
  • Evaluate customer needs and provide appropriate financial guidance.

• Ensure all compliance documents are obtained when opening new accounts or relationships, including:
  
  • CIP (Customer Identification Program)
  • CDD (Customer Due Diligence)
  • OFAC (Office of Foreign Assets Control)
  • Beneficial Ownership
  • Any other regulatory requirements

• Efficiently process financial transactions for checking, savings, and borrowing customers:
  
  • Receive and disburse funds
  • Post transactions
  • Verbally confirm transactions with customers to ensure accuracy and minimize errors

• Balance cash drawer daily and apply policies appropriately to ensure transaction accuracy.
• Research, troubleshoot, and resolve customer and internal inquiries regarding policies, practices, and products.
• Maintain a clean, professional, and welcoming work environment through:
  
  • Professional appearance and posture
  • Positive attitude and behavior toward customers and coworkers

• Provide support to other departments and branches as needed, including:
  
  • Assisting with transactions
  • Supporting department and branch managers
  • Fulfilling customer requests and merchant verifications

• Comply with all applicable laws and regulations, including:
  
  • Bank Secrecy Act
  • Patriot Act
  • OFAC
  • All internal security policies and procedures

• Maintain the highest standards of customer service confidentiality.
• Actively promote Legacy Bank to current and prospective customers to support growth and profitability.

Requirements

• High school diploma (or equivalent) is required.
• Six months to two years of similar or related experience, including time spent in preparatory positions will put you ahead

Key Skills & Attributes for Success

• Customer-Focused Service
  - Provides warm, professional support while building strong relationships and ensuring customer needs are understood and met.
• Accuracy & Attention to Detail
  - Works with precision in transactions, documentation, and daily balancing; follows procedures consistently to maintain compliance and reduce errors.
• Regulatory & Policy Awareness
  - Understands and adheres to CIP, CDD, OFAC, Beneficial Ownership, and all applicable banking regulations while maintaining strict confidentiality.
• Product Knowledge & Guidance
  - Understands Legacy Bank's products and services and confidently recommends solutions that support customer goals.
• Problem-Solving & Initiative
  - Researches issues thoroughly, resolves questions efficiently, and demonstrates resourcefulness when handling customer or internal inquiries.
• Professionalism & Teamwork
  - Maintains a polished, positive presence; collaborates effectively with peers, supports branch/department needs, and represents Legacy Bank with integrity.