Accounts Representative

About The Role

The New Account Representative (Customer Service Specialist III) at Western Security Bank is responsible for opening and managing new customer accounts, providing excellent customer service, and performing routine banking transactions. Key duties include assisting customers with account openings (checking, savings, CDs, IRAs, and e-banking), processing deposits, cashing checks, and promoting bank products and services. The role requires maintaining compliance with banking regulations, ensuring accuracy in all transactions, and maintaining customer confidentiality.

Excellent communication and customer service skills are essential, along with attention to detail and the ability to work independently or as part of a team.

• Assist with wide variety of customer services including opening and maintaining deposit and savings accounts, safe deposit boxes, and e-banking products. Prepare associated documentation and scan for record retention purposes.
• Assist customers with opening CDs/IRAs and educate customers as to penalties, earnings, etc.
• Use every customer contact as an opportunity to advise customer about additional services or programs that might benefit them.
• Maintain proficient knowledge of deposit and consumer loan products and services to effectively present the appropriate solutions to the customer.
• Perform transactions for bank customers, including but not limited to: receive deposits, accept checks for cashing, accept loan payments, accept wire transfer requests, fill business change orders, issue cashier’s checks, redeem savings bonds, sell travel cards, process credit card advance requests, process telephone transfers, process and record night deposit transactions, process check orders, issue debit cards.
• Possess a basic knowledge of bank products such as checking, savings, and money market accounts, CDs, and e-banking services.
• Promote High Performance Checking "Refer-A-Friend Program" as well as helping with branch displays and Big Day promotions.
• Effectively sell and cross sell the services and accounts by the bank to best fit customers needs.
• Assist customers in reconciling accounts, closing accounts, and change of addresses as well as providing statement printouts and check copy requests.
• Answer incoming calls, direct calls, and take messages.

• Take responsibility for remaining compliant with all applicable banking laws and regulations as well as following company policies and procedures, management directives, security and operational procedures.
• Accountable for maintaining accuracy and attention to detail in all aspects of the job.
• Responsible for keeping all information related to customers, co-workers and the bank private and confidential. Assure that any private information is accessed only as it pertains to the performance of your position, being aware of others who can hear your conversations or view private information.
• Proactively protect WSB and its customers from counterfeit and fraudulent activity by staying current on fraud warnings and initiating discussion with customers regarding specific transactions to prevent potential loss to customers and Western Security Bank.
• Complete all required annual compliance training and continuing education to stay current with bank policy, regulations and licensing requirements.
• Responsible to stay aware of and adhere to the banks security policy. Notify management of any situation that may cause a security risk.

• Adhere to Western Security Bank Company Mission, Vision, and Service Principles.
• Provide superior internal and external customer service: must demonstrate self-governance, courtesy, and respect toward external customers as well as internal customers.
• Is knowledgeable on our banking products and services.
• Can communicate requests and product information in a manner that is understood by the customer.
• Demonstrate a “customers come first” approach when prioritizing tasks.
• Maintains a professional, courteous, service-oriented relationship with all internal and external customers.

• Must comply with applicable laws and…