The Customer Service Representative is responsible for providing exceptional customer service, accurately processing customer transactions, and maintaining a safe and secure working environment. The Customer Service Representative is the face of the company, and a friendly, professional attitude is essential in building customer relationships. Excellent communication and problem-solving skills are key to helping customers with their financial needs.

Essential Functions/Job Responsibilities

• Greet customers upon arrival and provide prompt, courteous service.
• Process deposits, withdrawals, loan payments, and other transactions accurately and efficiently per Inwood procedures.
• Maintain accurate records of transactions.
• Balance cash drawer and reconcile discrepancies.
• Answer customer inquiries and provide appropriate information.
• Refer customers to the appropriate staff for further assistance.
• Maintain a clean and professional workstation.
• Adhere to all security procedures and regulations to minimize risk.
• Identify customer needs and suggest appropriate products or services.
• Cross-sell bank products and services to customers.
• Monitor customer feedback and provide insights for product and process improvements.
• Ensures compliance with established Bank policies and procedures. 
• Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and related laws as they pertain to the Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program.

Job Requirements

• High school diploma or equivalent.
• Cash handling experience.
• Excellent customer service skills.
• Good organizational and communication skills.
• Ability to accurately handle and count money.
• Basic computer skills and willingness to learn banking software programs.
• Willing to learn banking regulations and procedure.
• Ability to:
• Work in a fast-paced environment.
• Maintain confidentiality.
• Adhere to policies and procedures.
• Work independently and as part of a team.
• Manage multiple tasks simultaneously.
• Prior Teller / Banking Customer Service Representative experience (Preferred)

Equal Opportunity Employer/Protected Veteran/Disability 

Summary

The Customer Service Specialist is responsible for providing exceptional customer service, accurately processing customer transactions, and maintaining a safe and secure working environment. The Customer Service Specialist is the face of the company, and a friendly, professional attitude is essential in building customer relationships. Excellent communication and problem-solving skills are key to helping customers with their financial needs.

Essential Functions/Job Responsibilities

• Greet customers upon arrival and provide prompt, courteous service.
• Process deposits, withdrawals, loan payments, and other transactions accurately and efficiently per Inwood procedures.
• Maintain accurate records of transactions.
• Balance cash drawer and reconcile discrepancies.
• Answer customer inquiries and provide appropriate information.
• Refer customers to the appropriate staff for further assistance.
• Maintain a clean and professional workstation.
• Adhere to all security procedures and regulations to minimize risk.
• Identify customer needs and suggest appropriate products or services.
• Respond to customer complaints and resolve disputes in a timely and professional manner.
• Cross-sell bank products and services to customers.
• Monitor customer feedback and provide insights for product and process improvements.
• Train and mentor new branch staff, as needed.
• Ensures compliance with established Bank policies and procedures.  Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and related laws as they pertain to the Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program.

Job Requirements

• High school diploma or equivalent.
• Minimum 1-2 years of customer service experience and cash handling experience.
• Solid knowledge of banking products, services, regulations and procedures.
• Excellent organizational and communication skills.
• Ability to accurately handle and count money.
• Basic computer skills and familiarity with banking software and Microsoft Office applications.
• Ability to
  • Work in a fast-paced environment.
  • Maintain confidentiality.
  • Adhere to policies and procedures.
  • Work independently and as part of a team.
  • Manage multiple tasks simultaneously.

Equal Opportunity Employer/Protected Veteran/Disability

Summary

The BSA Junior Analyst is responsible for day-to-day monitoring of the banks Bank Secrecy Act/Anti-Money Laundering Compliance Program that is designed to ensure a high level of compliance with the BSA/AML related laws and regulations, internal policies and procedures, and Federal regulatory expectations. Primary responsibilities include monitoring transactions, analyzing patterns, and contributing to the implementation of BSA/AML and risk management strategies.

Essential Functions/Job Responsibilities

• Review and analyze transactional data to identify unusual patterns of activity that might indicate money laundering, terrorist financing, or other financial crimes.
• Maintain a current understanding of federal and state banking laws and regulations affecting the management, operations, and product offerings of the establishment including BSA/AML and OFAC (Office of Foreign Assets Control) regulations and guidance.
• Analyzes Suspicious Activity (SAR) Dashboard Alerts as assigned via bank monitoring software (Patriot Officer).
• Assist with basic SAR processes including assessment, filing, Continuing activity reviews, and global relationship review.
• Perform assigned risk assessments on customer accounts for low, moderate, and high-risk list customers.
• Assist in monitoring high risk customers, geography, and product and services including: Power of Attorney requests, Non-Profit Onboarding, Law Enforcement Contacts (Criminal, Texas Department of Family and Protective and IRS Request for Financial Records.
• Assist with CTR and Exemption Review and/or Batch Filing, utilizing Jack Henry and PATRIOT Officer. 
• Assist with Large Cash transaction Report and GL Cash Activity monitoring. 
• Conduct Monetary Instrument Log review and monitoring. 
• Front line, ACH OFAC resolution
• Ensure the bank’s Customer Identification Program and Beneficial Ownership Certification is complete within the bank’s designated validation period.
• Provide support in preparing for audits and regulatory examinations as it relates to job function. 
• Review and suggest updates to policies, procedures, and practices to ensure compliance with laws and regulations.
• Ensures compliance with established Bank policies and procedures.  Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and related laws as they pertain to the Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program.

Job Requirements

• Bachelor's degree from four-year college or university; or one to two years related banking experience and/or training; or equivalent combination of education and experience.
• Basic to moderate knowledge of BSA/AML Compliance.
• Proficient in the use of banking software applications and computer systems, including Microsoft Office applications.
• Problem-solving and decision-making aptitude.
• Accuracy and attention to detail.
• Outstanding organizational and time-management skills.
• Ability to:
  • Work independently and as part of a team.
  • Work in a fast-paced environment.
  • Independently recognize potential suspicious activity.
  • Suggest, and if applicable, implement cost effective compliance solutions for the BSA/AML program.
• Strong communication and interpersonal skills.
• Strong ethics and reliability.
• Willingness to pursue ongoing education or certifications related to BSA/AML

Equal Opportunity Employer/Protected Veteran/Disability

Summary

The BSA Senior Analyst is responsible for day-to-day monitoring of the banks Bank Secrecy Act/Anti-Money Laundering Compliance Program that is designed to ensure a high level of compliance with the BSA/AML related laws and regulations, internal policies and procedures, and Federal regulatory expectations. Primary responsibilities include monitoring transactions, analyzing patterns, and contributing to the development and implementation of BSA/AML and risk management strategies.

Essential Functions/Job Responsibilities

• Review and analyze transactional data to identify unusual patterns of activity that might indicate money laundering, terrorist financing, or other financial crimes.
• Maintain a current understanding of federal and state banking laws and regulations affecting the management, operations, and product offerings of the establishment including BSA/AML and OFAC (Office of Foreign Assets Control) regulations and guidance.
• Conduct customer due diligence and enhanced due diligence on complex new and existing clients to ensure compliance with anti-money laundering (AML) regulations.
• Daily, monthly, and quarterly analysis in International Wire and International ACH Activity with an emphasis on jurisdictions of money laundering concern.
• Support OFAC research for Front line, ACH and Wire daily activity, as needed.
• Support 314(a) research requests.   
• Analysis of the bank’s complex relationships as related to high-risk activity, behaviors or geographies. Including Non-Resident Alien, Resident Alien and Foreign National enhanced due diligence monitoring.  Monitoring existing and new customers with no US government TIN.  Analysis of customers that appear in High Intensity Drug Trafficking, High Intensity Financial Crimes Areas.  (HIDTA/HIFCA).
• Assist as needed with BSA/AML Global Review as related to the receipt of criminal or IRS Subpoenas.
• Analyzes Suspicious Activity (SAR) Dashboard Alerts and other modules as needed, via bank monitoring software (Patriot Officer)
• Perform risk assessments on complex customer accounts for low, moderate, and high-risk list customers.
• Assist with SAR processes including assessment, filing, continuing activity reviews, and global relationship review.
• Review, suggest, and implement updates to policies, procedures, and practices to ensure compliance with laws and regulations.
• Provide support in preparing for and responding to audits and regulatory examinations.
• Serve as Assistant BSA Officer, as necessary.
• Ensures compliance with established Bank policies and procedures.  Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and related laws as they pertain to the Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program.

Job Requirements

• Master's degree or equivalent; or four to ten years related experience and/or training; or equivalent combination of education and experience.
• Advanced knowledge of BSA/AML Compliance (CAMS & CFE certification preferred).
• Skilled in the use of banking software applications and computer systems, including Microsoft Office applications.
• Problem-solving and decision-making aptitude.
• Accuracy and attention to detail.
• Outstanding organizational and time-management skills.
• Ability to:
  • Work independently and as part of a team.
  • Work in a fast-paced environment.
  • Independently recognize potential suspicious activity.
  • Suggest and implement cost effective compliance solutions for the BSA/AML program.
• Strong communication and interpersonal skills.
• Strong ethics and reliability. Willingness to pursue ongoing education or certifications related to BSA/AML

Equal Opportunity Employer/Protected Veteran/Disability

The Collateral Associate plays a crucial role in managing and optimizing our collateral processes. You will ensure the accuracy and efficiency of collateral documentation and releasing collateral on recently paid off loans, contributing to the seamless operation of Inwood’s financial services, Promotes and maintains the Bank’s mission, values and culture. Provides exceptional communication and service to employees and customers.

Essential Functions/Job Responsibilities

• Review and analyze collateral documentation to ensure compliance with company policies and regulations.
• Maintain and update collateral records in the database with accuracy and attention to detail.
• Releases collateral for recently paid off loans.
• Coordinate with internal teams and external parties to resolve discrepancies in collateral documents.
• Conduct regular audits of collateral files to ensure completeness and accuracy..
• Respond promptly to inquiries and requests for information regarding collateral from stakeholders.
• Ensures compliance with established Bank policies and procedures.  Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and related laws as they pertain to the Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program.

Job Requirements

• High school diploma or equivalent; associate's or bachelor’s degree in finance, business, or a related field is preferred.
• Minimum of 2 years of experience in a similar role within banking or financial services.
• Strong understanding of collateral management processes and financial instruments.
• Excellent analytical and problem-solving skills.
• Strong attention to detail and accuracy.
• Ability to work independently and manage multiple tasks simultaneously.
• Effective communication and interpersonal skills.
• Familiarity with regulatory requirements related to collateral management.
• Strong organizational skills and ability to meet deadlines.
• Experience in risk management and mitigation strategies.
• Proficient in the use of banking software applications and computer systems, including Microsoft Office applications, particularly Excel.  Knowledge of Xperience is a plus.
• Problem-solving and decision-making aptitude.
• Ability to:
  • Work independently and as part of a team.
  • Work in a fast-paced environment.
• Strong interpersonal skills.
• Strong ethics and reliability.
• Strong analytical and problem-solving skills

Equal Opportunity Employer/Protected Veteran/Disability

The Customer Service Representative is responsible for providing exceptional customer service, accurately processing customer transactions, and maintaining a safe and secure working environment. The Customer Service Representative is the face of the company, and a friendly, professional attitude is essential in building customer relationships. Excellent communication and problem-solving skills are key to helping customers with their financial needs.

Essential Functions/Job Responsibilities

• Greet customers upon arrival and provide prompt, courteous service.
• Process deposits, withdrawals, loan payments, and other transactions accurately and efficiently per Inwood procedures.
• Maintain accurate records of transactions.
• Balance cash drawer and reconcile discrepancies.
• Answer customer inquiries and provide appropriate information.
• Refer customers to the appropriate staff for further assistance.
• Maintain a clean and professional workstation.
• Adhere to all security procedures and regulations to minimize risk.
• Identify customer needs and suggest appropriate products or services.
• Cross-sell bank products and services to customers.
• Monitor customer feedback and provide insights for product and process improvements.
• Ensures compliance with established Bank policies and procedures. 
• Demonstrates knowledge of, adherence to, monitoring and responsibility for compliance with state and federal regulations and related laws as they pertain to the Bank Secrecy Act in conjunction with the USA PATRIOT Act, Anti-Money Laundering and Customer Information Program.

Job Requirements

• High school diploma or equivalent.
• Cash handling experience.
• Excellent customer service skills.
• Good organizational and communication skills.
• Ability to accurately handle and count money.
• Basic computer skills and willingness to learn banking software programs.
• Willing to learn banking regulations and procedure.
• Ability to:
  • Work in a fast-paced environment.
  • Maintain confidentiality.
  • Adhere to policies and procedures.
  • Work independently and as part of a team.
  • Manage multiple tasks simultaneously.
• Prior Teller / Banking Customer Service Representative experience (Preferred)

Equal Opportunity Employer/Protected Veteran/Disability