Teller

Summary/Objective The teller receives and pays out money, as well as accurately keeps records of money and negotiable instruments involved in a financial institution's various transactions. The teller meets the needs of customers by providing quality service.
Primary Duties
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. Receive checking and savings deposits: verify cash and endorsements, receive proper identification for cash back and issue receipts of deposit.
2. Examine checks deposited and determine proper funds availability based on regulation requirements and complete hold notices.
3. Process savings withdrawals. Cash checks: verify endorsement, receive proper identification and ensure validity.
4. Identify counterfeit currency.
5. Answer basic customer inquiries regarding interest rates, service charges and account histories while complying with disclosure requirements, regulations and consumer privacy policies.
6. Cross-sell bank products and services.
7. Refer customers to the proper department for issues that cannot be resolved at the teller line.
8. Count coins using coin machine.
9. Issue personal money orders and cashier’s checks, ensuring that proper authorized signatures are obtained as required.
10. Accept loan payments: verify payment amount and issue receipts.
11. Buy and sell currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded.
12. Comply with all applicable areas of the Bank Secrecy Act/Anti-Money Laundering Act laws. Enter CTR information as necessary and report any suspicious activity to the Bank’s BSA Officer.
13. Ensure teller station is properly supplied.
14. Balance and close accounts when requested.
15. Follow procedures for removing accounts for dormancy.
16. Balance drawer daily, including periodic batching of cashed checks.
17. Process cash advances, redeem U.S. Savings Bonds.
18. Maintain appropriate currency logs.
19. Become knowledgeable with and ensure compliance with regulations of governing agencies and industry best practices. These include but are not limited to:
Funds Availability (Reg CC)
Right to Financial Privacy Act
Gramm-Leach-Bliley Act (Privacy Act)
Bank Secrecy Act
Anti-Money Laundering Act
Office of Foreign Asset Control (OFAC)
Electronic Funds Transfers (Reg E)
20. Follow all bank policies and procedures.

Essential Functions
1. As this is a front-line customer service position, attendance within policy guidelines is essential. Exceptions to this, for medical or other pre-approved absences, should be documented in the individual’s personnel file.
2. A primary function is to communicate with customers, bank employees and others. Employee must be able to express oneself and exchange accurate information in person, by phone, and/or email.
3. Employee must be able to input, retrieve and assess information from computer and other office machinery.
4. Employee will operate a computer and other standard office communication devices and productivity machinery.
Other Vital Functions / Physical Demands
1. The person in this position needs to move about the Banking office to access vault and machinery, and to assist subordinates and customers.
2. The person in this position needs to be able to use industry-standard equipment for handling cash and transporting cash and coin (up to 20lbs) from one location within the Banking office to another.
3. This position requires bending, stooping or standing as necessary.

Competencies
1. Customer/Client Focus.
2. Decision Making.
3. Technical Capacity.
4. Stress Management/Composure.
5. Thoroughness.
6. Communication Proficiency
7. 10-Kay Proficiency
Supervisory Responsibility This position has no supervisory responsibilities.
Work Environment
This job operates in a clerical office setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Position Type/Expected Hours of Work
This is a non-exempt, typically full-time, position. However, part-time hours may be assigned. The employee must have a regular schedule of 30 hours each week to maintain full time status. Scheduled hours may vary to meet customer needs during lobby and drive-thru hours. All tellers are expected to work Saturdays as needed unless otherwise documented in an individual’s personnel file.
Required Education and Experience 1. High school diploma or equivalent. 2. Customer service with cash handling experience preferred.
Additional Eligibility Qualifications
1. Must be Bondable
2. Multi-lingual capabilities to include Spanish are a plus.
AAP/EEO Statement
Security Bank is an equal opportunity employer. This means Security Bank will not discriminate in any of its employment practices on the basis of sex, age, race, color, mental or physical disability, national origin, religion, sexual orientation, marital or veteran’s status, or other legally protected status

All employees have the responsibility to adhere to this policy and to use all efforts to further its implementation.
Approval
This job description was approved by Teller Supervisor April 2016.
This job description was approved by Executive Management April 2016.