The role of the bank teller was changing over time, and therefore it is interesting to investigate what this official is currently doing in financial institutions. During the last decades, the digitalization applied to banking activity made the work of this official somehow partially assumed by teams such as ATMs.
Therefore, in some sense, it is an example of a job in bank after graduation that should have been converted to advanced automation. Therefore, it is appropriate to review what a bank teller is a today, what tasks he carries out, beyond what the bank teller functions manual indicates or the description of a traditional bank teller position.
Indeed, today the functions or profiles of a bank teller are not merely that of receiving and making payments, handling cash, taking deposits and checks, receiving documents and checks and other operational tasks, in a safe and controlled context. Today, the activities of a bank teller, of course, also include these tasks, as well as those of performing control forms, recording movements of cash in / out and other tasks of the cashier; but in addition, the role today involves a whole commercial and marketing dimension that must also be put into play.
In fact, today among the characteristics of a most sought-after bank teller are interpersonal and communication skills, since ATMs are officials that interact a lot with customers and can add a lot to the task of offering banking products and services, and of carrying out what is called a “cross-selling” – that is, a more comprehensive cross-selling – of the palette of products of the entity to each client.
Therefore, to the question about what you should know, what skills or competencies you should have or what is the work of a bank teller in our day, these skills should be added that are no longer merely operational, but have another profile more linked to communication, commercial and also marketing.
Bank Teller Employment
In fact, this conjunction of an operational or administrative profile with a more commercial one counts among the profile characteristics that are currently demanded from a bank employee of any sector or area.
This response to the fact that in the financial industry more and more tasks are being automated and carried out through online channels, and therefore officials must be able to maximize each interaction to not only solve the operational and business issues that concern them (for the specific sector in which they work), but they also have to be able to commit to the goal of selling more.
And for this reason, today, a private banking training course aimed at getting a job in the current labor market should prepare the candidate both in the cash matters (handling of documents and cash, receiving deposits, making payments, charges, withdrawals, preparation of clearing, cash closures, filing tasks, reporting, etc.), as in systems issues (application and utility management) and in commercial matters (customer service, domain of the portfolio of products of financial institutions, ability to cross-sell, etc.).