Position Grade: 8

Work hours: 7:15 AM – 4:00 PM (M-F)

Reports to: Member Services Supervisor/COO

Description

Individuals in this position are responsible for supporting Miami Firefighters Federal Credit Union’s mission of delivering high-value financial services to our members with integrity and excellence. The Universal Banker position is a multifaceted role that combines traditional teller transactions, new account openings, loan origination, and member relationship development.

1. This position is responsible for greeting and welcoming members and visitors to the credit union in a courteous, professional, and timely manner. Provide prompt, efficient, and accurate service to credit union members.
2. Know, comply, and understand all MFFCU policies and procedures, rules, and regulations to ensure compliance is maintained.
3. Maintain compliance with all credit union policies and regulatory requirements, including BSA/AML, CIP, and OFAC.
4. Responsible for understanding and applying policies and procedures to meet regulatory requirements relating to anti-money laundering. Bank Secrecy Act (BSA), Customer Identification Program, and OFAC.

• Alerts supervisor, or management to any suspicious activity regarding transactions including forgery, theft, fraud, kiting, members who appear to be avoiding a CTR (cash transaction reporting).
• Obtain refresher BSA/AML training at least annually, as scheduled by the COO/Compliance Officer.

5. Maintain up-to-date knowledge of robbery procedures.
6. Complete training courses as assigned.
7. Provide members with all necessary information for membership.
8. Open new deposit accounts and prepare related applications, identification documents, and required disclosures.
9. Process member transactions including deposits, withdrawals, loan payments, check cashing, and account transfers, temporary check, statement requests, etc.
10. Respond to inquiries related to checking and savings accounts, certificates of deposit, debit cards, credit cards, account status, and discrepancies.
11. Assist members with online banking, password resets, mobile banking, bill payment, Zelle, etc.
12. Assist members with loan applications.
13. Identify member needs and recommend products and services that align with their financial goals, including credit cards, loans, and digital banking tools.
14. Issue/Entry into safe deposit boxes, following credit union procedures.

To perform this job successfully, an individual must be able to perform each essential dutysatisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required.Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

1. Ability to read and interpret documents such as procedure manuals.
2. Ability to write routine reports and correspondence.
3. Ability to speak effectively with members or employees of the organization.
4. Ability to calculate figures and amounts such as discounts, interest, and percentages.
5. Ability to resolve concerns, recommend solutions, and deliver exceptional service.
6. Ability to understand and use technology, including Microsoft Office and banking systems.
7. Adaptability to identify and suggest improvements in workflows and procedures.
8. Excellent verbal and written communication skills; bilingual (English/Spanish) preferred.
9. Strong attention to detail, ability to multi-task, and prioritize effectively.