Customer Transaction Specialist - Rising Sun

Summary: The Customer Transaction Specialist plays a key role within the Retail Banking team, serving as the first point of contact for customers in the branch. This position is responsible for providing efficient, accurate, and friendly service during every interaction, ensuring that all financial transactions are processed with the highest level of care and professionalism. The ideal candidate will be skilled in balancing routine transactions with problem-solving, capable of supporting a wide range of account-related needs, and committed to delivering a best-in-class customer experience. Essential Functions: Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 1. Transaction Processing 2. Process a variety of branch transactions accurately and efficiently, including: 3. Cash and check deposits 4. Loan and credit card payments 5. Internal and external funds transfers 6. Processing of negotiable instruments (checks, drafts) 7. Issuance of official checks and money orders 8. Follow all policies, procedures, and applicable regulations to ensure compliance and mitigate risk. 9. New Consumer Account Opening 10. Assist customers with opening new consumer deposit accounts, including checking, savings, CDs, and money market accounts. 11. Guide customers through account features, disclosures, and documentation. 12. Ensure all account opening activities are completed accurately, securely, and in compliance with regulatory requirements (e.g., CIP, BSA/AML). 13. Service & Support 14. Provide prompt, courteous, and knowledgeable support for a wide range of customer banking needs, including: 15. Debit card issuance, activation, replacements, and dispute assistance 16. Stop payment requests and check reorders 17. Navigation and troubleshooting for online and mobile banking platforms 18. Setting up travel notifications and fraud alerts 19. General account maintenance such as address changes or name updates 20. Investigate and resolve basic account discrepancies and service issues 21. Customer Engagement 22. Create a welcoming environment by proactively engaging with customers and building rapport. 23. Actively listen to understand customer goals and identify appropriate banking solutions. 24. Educate customers on digital banking tools and self-service options to enhance their banking experience. 25. Educate customers on ENB's digital tools and self-service channels to enhance convenience and financial confidence. 26. Recognize opportunities to improve a customer's financial wellness. 27. Refer customers to ENB business partners as appropriate, including: 28. Consumer Lending (auto loans, personal loans, home equity lines) 29. Mortgage Banking 30. Small Business Banking 31. Investment and Wealth Management 32. Merchant Services 33. Commercial Lending 34. Agriculture Lending 35. Cash Management 36. Operations & Compliance 37. Maintain precise and error-free transaction processing and recordkeeping. 38. Balance cash drawer daily, ensuring accuracy and security of negotiable items. 39. Adhere to internal controls, operational procedures, and all regulatory compliance standards. 40. Assist in branch operational duties as needed, including audits, reporting, and branch security protocols. Required/Preferred Education and Experience: 1. High school degree or GED required. 2. 2-4 years of relevant experience preferred (will consider experience within various industries that offer a transferable skill set) 3. Excellent listening, verbal and written communication skills. 4. Must have a professional appearance and manner. 5. Expected to participate and successfully complete appropriate educational classes as required. Competencies: ENB Operational and Functional Competencies. Role Specific Competencies: Focused on Customer Needs-Dedication to serving customers enthusiastically both internally and externa ly. Proficient in understanding and prioritizing customer satisfaction, integrating these principles into all business decisions, and utilizing insight to develop tailored customer solutions. Effective Communications - Understanding of effective communication methods, tools and techniques; ability to deliver, receive, and interpret ideas, information, and needs through applying appropriate communication behaviors. Managing Multiple Priorities - Ability to manage multiple objectives, projects, customers, or activities, making effective judgments as to prioritizing and time allocation. Problem Solving - Ability to anticipate and resolve op