Customer Care Specialist

Website Saco & Biddeford Savings Institution

Saco & Biddeford Savings is a mutual savings bank.

Position Summary:

The primary responsibility of this position is to answer the bank’s inbound calls and selected emails in a fast paced environment. The Customer Care Specialist responds to customer inquiries and, through active listening, refers requests to appropriate personnel as needed. This position also supports branches as a floating teller or Customer Relationship Associate (CRA) in the event of both planned and unplanned absences.

Essential Functions:

  1. Provides professional, courteous and efficient service to all internal and external customers.
  2. Complies with federal and state banking regulations, as well as with all bank policies and procedures.
  3. Responds in an appropriate and timely manner to deposit inquires such as balances, items posted, interest earned and current rates.
  4. Properly identifies the customer according to bank policy before divulging any personal information.
  5. Processes Unauthorized/Disputed transaction requests, including provisional credits, in accordance with Regulation E and MasterCard rules.
  6. Responds to a limited list of loan inquiries.
  7. Provides password/PIN resets and log in assistance to customers, which includes, but is not limited to, online banking, debit cards and mobile wallet apps (e.g. Apple Pay).
  8. Properly triages inquires in order to direct the customer to the most appropriate bank personnel who can resolve the issue.
  9. Processes transactions received in the mail including, but not limited to, deposits, loan payments and address changes.
  10. Balances cash drawer and reports any discrepancies to the supervisor.
  11. Processes orders for new and replacement Debit Cards, as well as blocks and cancellation of cards as required.
  12. Processes temporary debit card increases within established guidelines and limits.
  13. Process travel notifications for debit card customers as requested.
  14. Processes Online Banking setups and maintenance.
  15. Performs setup and maintenance on internal and external automatic transfers.
  16. Responds to customer emails from and through the secure “Contact Us” channel of the public website, including the secure upload feature.
  17. Performs other miscellaneous duties or special assignments as required or assigned.

Other Duties and Responsibilities:

  1. Processes returned mail for the bank.
  2. Processes monetary transactions for incoming wire transfers received from the IS & Payment Operations Department.
  3. Processes CD monetary transactions related to the QwickRate product; open, close, rollover and wire transfer transactions.
  4. Processes appropriate transactions relating to dormant accounts, such as updating customer contact date, deposits and closeouts.
  5. Provides support to branch and back office staff as needed.
  6. Processes a variety of transactions including, but not limited to: deposits and withdrawals, check cashing, issuing money orders, cashiers checks and traveler’s checks, redeeming savings bonds, processing various types of loan payments, Check Orders and RCIF modifications as needed.
  7. Responsible for accurately and courteously meeting new and existing customer needs by opening new accounts and maintaining knowledge of products.
  8. Assists in online banking dormant user maintenance as needed.
  9. Periodically initiates outbound calls in conjunction with a promotion or to validate a consistent S&BSI customer experience
  10. Serves on various committees as assigned.
  11. Attends all required meetings and training.

Position Qualifications and Education Requirements:

  • High school graduate or equivalent.
  • One – three years satisfactory teller or customer service experience with applicable skills and knowledge, including InterACT/Miser systems, preferred.
  • Strong customer service skills.
  • Good understanding of all digital banking products and services.
  • Must possess an overall knowledge of the features and benefits of bank products and understand the supporting roles of various departments.
  • Computer literate, including good skills with MS Office.
  • Proven ability to deliver quality work during times of increased volumes.
  • Ability to adapt to changes in priorities quickly.
  • Able to work harmoniously, professionally, cordially and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork.
  • Strong attention to detail.
  • Ability to travel to all Bank locations.
  • Ability to read/see documents and computer screens, to communicate in person and via the telephone and use a computer and other office equipment.
  • Is dependable and conforms to punctuality and attendance standards.

Working Conditions:

  • Physical surroundings are generally pleasant and comfortable with protection from weather conditions but not necessarily from temperature changes.
  • Ability to stand for extended periods of time while performing the teller function. Otherwise, normally seated with freedom of movement on a regular basis.
  • Frequently lifting one to ten pounds; occasionally lifting up to 50 pounds.
  • Extensive operation of computers and other office equipment requiring dexterity and coordination and frequent use of hands.

Those holding this position must be capable of performing all duties and responsibilities, either unaided or with the assistance of a reasonable accommodation, as determined by management.

The Bank has reviewed this job description to ensure that essential functions and basic duties have been included. It is intended to provide guidelines for job expectations and the employee’s ability to perform the position described. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent a contract of employment, and the bank reserves the right to change this job description and/or assign tasks for the employee to perform, as the Bank may deem appropriate.

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