Position Summary:
The Universal Banker is responsible for conducting teller transactions and cash vault transactions in an accurate and timely manner. This position is also responsible for the sales and servicing of all bank products and services. The incumbent works with the branch team to achieve branch goals in the areas of deposit growth and business relationship growth. Must be able to identify the needs of new and existing customers and offer appropriate services currently available. This position needs to maintain current knowledge of products services and current promotions. The incumbent is also responsible for providing operational support and exceptional customer service while maintaining essential controls and safeguards.

Essential Functions:
1. Provide a complete range of prompt, efficient and courteous customer service by assisting customers on the teller-line, in person and on the phone.
2. Accepts consumer and commercial deposits, loan payments, processes checking and savings account withdrawals and cashes checks.
3. Balance cash drawers in accordance with Bank procedures and regulations.
4. A working knowledge of all bank products and services. Works within the framework of procedures, policy, and authority limits.
5. Adheres to all applicable bank regulations and policies including Reg CC, Bank Secrecy Act/Anti Money Laundering and OFAC Compliance policies and procedures.
6. Become knowledgeable regarding department’s internal controls as outlined in the
policies and procedures of the bank.
7. Accurately process transactions and new account openings in a timely and professional manner.
8. Handles client concerns on statement reconciliation and performs changes to existing accounts as requested by the client.
9. Maintains current knowledge of the bank’s new account opening procedures.
10. Establishes and maintains customer relations by providing excellent customer service, be professional, friendly, and polite to customers. Addresses customers by name and maintaining customer confidentiality.
11. Represents the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and team members. Contributes to the fulfillment of department and bank objectives and goals.
12. Other duties as assigned.

Competencies and Skills:
• Strong customer service skills with the ability to handle a variety of customer situations.
• Attentiveness, information retention, tack, and diplomacy in dealing with both customers and team members.
• Detail oriented and possess excellent organizational, problem solving, follow-up and customer service skills along with good listening skills required.
• Working knowledge of retail banking procedures and policies.
• Strong communication, organizational skills, and accuracy.
• This position requires a perceptive person who is capable of relating to individuals at all levels.

Experience:
• High School diploma or GED required.
• Previous banking experience required.
• Experience with MS Word, Excel, and Outlook.

FSLA Status: Non-Exempt

Department: Retail – Tarpon Springs Branch

Position Summary:
The Universal Banker is responsible for conducting teller transactions and cash vault transactions in an accurate and timely manner. This position is also responsible for the sales and servicing of all bank products and services. The incumbent works with the branch team to achieve branch goals in the areas of deposit growth and business relationship growth. Must be able to identify the needs of new and existing customers and offer appropriate services currently available. This position needs to maintain current knowledge of products services and current promotions. The incumbent is also responsible for providing operational support and exceptional customer service while maintaining essential controls and safeguards.

Essential Functions:
1. Provide a complete range of prompt, efficient and courteous customer service by assisting customers on the teller-line, in person and on the phone.
2. Accepts consumer and commercial deposits, loan payments, processes checking and savings account withdrawals and cashes checks.
3. Balance cash drawers in accordance with Bank procedures and regulations.
4. A working knowledge of all bank products and services. Works within the framework of procedures, policy, and authority limits.
5. Adheres to all applicable bank regulations and policies including Reg CC, Bank Secrecy Act/Anti Money Laundering and OFAC Compliance policies and procedures.
6. Become knowledgeable regarding department’s internal controls as outlined in the
policies and procedures of the bank.
7. Accurately process transactions and new account openings in a timely and professional manner.
8. Handles client concerns on statement reconciliation and performs changes to existing accounts as requested by the client.
9. Maintains current knowledge of the bank’s new account opening procedures.
10. Establishes and maintains customer relations by providing excellent customer service, be professional, friendly, and polite to customers. Addresses customers by name and maintaining customer confidentiality.
11. Represents the Bank in a manner that maintains and expands positive relations with all customers, potential customers, and team members. Contributes to the fulfillment of department and bank objectives and goals.
12. Other duties as assigned.

Competencies and Skills:
• Strong customer service skills with the ability to handle a variety of customer situations.
• Attentiveness, information retention, tack, and diplomacy in dealing with both customers and team members.
• Detail oriented and possess excellent organizational, problem solving, follow-up and customer service skills along with good listening skills required.
• Working knowledge of retail banking procedures and policies.
• Strong communication, organizational skills, and accuracy.
• This position requires a perceptive person who is capable of relating to individuals at all levels.

Experience:
• High School diploma or GED required.
• Previous banking experience required.
• Experience with MS Word, Excel, and Outlook.

FSLA Status: Non-Exempt

Department: Retail – St. Petersburg Branch

Position Summary
The Specialist provides support to branch personnel and internal employees through email, phone, and on-site branch visits. Specialists serve as a key point of contact for new account document verification, branch audit support, new hire training support, and day-to-day operational assistance. Primary areas of focus include new account verification and maintenance, document review, procedure development and branch audits.

Principal Duties and Responsibilities
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
1. Conduct detailed reviews of new customer records for accuracy and completeness.
2. Perform comprehensive inspections of new consumer and business accounts, including system and document verification.
3. Review account maintenance requests and supporting documentation to ensure compliance with policies and regulations.
4. Track, monitor, and report errors, exceptions, and trends identified during reviews.
5. Provide operational and procedural support to assigned branches.
6. Complete research requests as needed to support branch and operational inquiries.
7. Assist with ATM operational functions, including currency ordering, replenishment entries, and reconciliation verification.
8. Support debit card and ACH unauthorized dispute processing, including provisional credit processing and investigation correspondence.
9. Assist in the development, documentation, and maintenance of procedures related to assigned duties.
10. Collaborate with team members to ensure all processes and services are completed accurately and within established timeframes.
11. Perform all other related duties as assigned.
12. Ensure compliance with federal and state regulations, as well as all bank policies and procedures.
13. Provide ongoing branch training based on verification results, audit findings, and identified risk areas.

Other Responsibilities and Competencies
• Support and promote the Bank’s vision, mission, core values, and organizational structure.
• Demonstrate strong analytical, observation, and decision-making skills.
• Maintain high attention to detail and accuracy while seeking opportunities for quality improvement.
• Effectively prioritize work and communicate priorities clearly.
• Meet productivity standards while maintaining quality expectations.
• Complete tasks within required timelines or communicate delays proactively.
• Exhibit strong interpersonal, written, and verbal communication skills.
• Perform effectively in high-pressure environments while remaining composed.
• Maintain consistent attendance and punctuality with appropriate coverage when absent.
• Demonstrate a positive and professional attitude at all times.
• Perform other related duties as assigned.

Education and Experience Requirements
• High school diploma or General Education Degree (GED) required.
• Minimum of three (3) years of retail banking experience.
• Two (2) years of branch operations, document verification, or related banking experience preferred.
• Proficient in Microsoft Office applications.

FSLA Status: Non-Exempt

Department: Deposit Operations – Clearwater, FL

Position Summary
This is a full-time, on-site role for a Treasury Management Sales Officer based in Clearwater, FL. The Treasury Management Sales Officer will be responsible for promoting and selling the bank’s treasury management products to existing, new and prospective commercial clients. Daily tasks will include managing client relationships, analyzing customer needs, delivering tailored solutions, and ensuring the highest level of customer service. The role requires active collaboration with internal and external stakeholders to drive business growth and client satisfaction. They must provide appropriate consultative solutions and be pro-active in servicing and maintaining positive working relationships with treasury management support staff, assigned lending teams, retail banking teams clients, and prospects.

The role will be responsible for consistently attaining annual sales goals and sales activity targets by developing and executing a business plan and strategy based on corporate goals and initiatives.

Essential Responsibilities
• Grow Treasury product revenue through direct sales.
• Utilize networking, community, and public relations activities to identify prospective Treasury Management client opportunities.
• Perform product research and identify appropriate solutions for customer requirements and satisfaction.
• Partner with commercial lending and retail teams to develop profitable business utilizing treasury management products and depository solutions.
• Manage client calls and contacts and meet all assigned goals.
• Understand client business goals, environments, strategies, and industry trends to become a trusted advisor and to identify solutions for customer pain points.
• Understand our competitors’ environment, capabilities, and gaps to effectively position Flagship Treasury Services for success.
• Prepare analysis pro forma and sales proposals for client presentations.
• Participate in client calls and analyze client Treasury services requirements.
• Perform risk monitoring for Treasury products and services and initiate credit and risk approvals.
• Assist Treasury clients with product training and product demonstrations as needed.
• Gather data and prepare reports for Sr. Management, audit, and other department personnel.
• Track sales activities and timelines to ensure that the deliverables within onboarding project plans are met and are on time.
• Maintain up to date treasury management industry knowledge by participating in training opportunities, affiliation with Association of Financial Professionals (AFP), and through industry literature.
• Keep informed of changes in banking regulations, policies, and procedures.
• Administer work according to internal and external policies and procedures of the Bank.
• Support organizational growth.

Qualifications
• Proficiency in Treasury Management, Treasury Services, and Cash Management
• Strong Analytical Skills and ability to interpret financial data effectively
• Knowledge and expertise in Finance and related financial services
• Exceptional client relationship management and interpersonal communication skills
• Experience in assessing customer needs and offering customized financial solutions
• Proactive problem-solving skills and ability to work well in a collaborative environment
• 3 years of related Treasury Management experience and/or training; or the equivalent combination of education and experience. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be applicable to the financial industry.

FSLA Status: Non-Exempt

Department: Treasury/Retail- Clearwater, FL