Financial Services Representative

Full-time - Senior

San Diego, CA

Credit Intermediation and Related Activities

About the position

The Financial Services Representative at Endeavor Bank plays a crucial role in servicing both new and existing clients within the branch, with a primary focus on New Accounts. This position is non-exempt and requires full adherence to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and compliance procedures, which are paramount to the responsibilities of this role. The representative will serve both commercial and consumer clients, assisting them in opening new accounts and ensuring that all necessary documentation is obtained and processed correctly. In addition to account opening, the Financial Services Representative will be responsible for contacting new clients for onboarding activities, following up to obtain necessary signatures and documentation, and performing due diligence on applicants to assess risk and ensure compliance with BSA/AML regulations. The role also involves processing account vesting changes, ensuring that proper documentation is obtained, and updating bank records accordingly. As an experienced banker, the representative will work closely with the Digital Banking team and Relationship Managers to foster stronger client relationships. Customer service is a key component of this position, as the representative will handle lobby and phone requests, research and resolve client problems, and act as a liaison between clients and other bank departments. Additionally, the representative will be responsible for making appropriate referrals for other bank products and services, including commercial lending products. The role also includes serving as a backup for the teller line, which involves performing teller duties such as processing client transactions and maintaining and balancing a cash drawer. Adherence to reporting and recordkeeping requirements of the BSA, AML rules and regulations, and OFAC compliance is essential. The representative must also follow established customer identification program (CIP) rules and other compliance regulations, while working with multiple software platforms to support daily processing needs.

Responsibilities

• Servicing new and existing clients within the branch with a focus on New Accounts.
• Adhering to BSA, AML, and compliance procedures.
• Opening new accounts for commercial and consumer clients.
• Contacting new clients for onboarding activities and following up for necessary documentation.
• Performing due diligence on applicants to assess risk and ensure compliance with regulations.
• Processing account vesting changes and updating bank records.
• Working closely with the Digital Banking team and Relationship Managers to develop client relationships.
• Providing customer service for lobby and phone requests.
• Researching and resolving client problems, acting as a liaison between clients and bank departments.
• Making appropriate referrals for other bank products and services, including commercial lending products.
• Serving as backup for the teller line and performing teller duties.
• Adhering to reporting and recordkeeping requirements of BSA and AML regulations.

Requirements

• 5+ years of New Accounts experience.
• High School Diploma or equivalent required.
• Excellent interpersonal, customer service, and sales skills.
• Ability to prioritize and handle multiple tasks independently.
• Strong work ethic and decision-making abilities regarding customer transactions.
• Demonstrates diversity, flexibility, and commitment.
• Professional appearance and demeanor, including excellent phone etiquette.