I work in corporate side so I don’t have the experience of a teller who deals with mean people all the time. Yesterday I did exactly what the customer asked, but while the work was in progress the customer decided that they dont need my services, and did not tell about of it. When I called to let them know that the work is finnished they lashed out on me. Telling how can I be so stupid and how is it possible for me to be working with corporate clients since I am so dumb.

The client did also do a formal complaint of my service, but my manager told me that I did everything I was supposed to do, so I did nothing wrong.

I just don’t know how to get over this feeling of shame and humiliation.

I 27M working first time as loan officer , Even tho I do retail unsecured loan against salary I came to realise I not very good at spotting Fraud customers as I depend more on emotions . Yesterday A soldier came for whom we sanctioned 12Lac loan 8 Lac outstanding left his job and started working as Milk man came to branch without realising he left his job which he later revelead i removed hold of 5 lac put by different branch , after removing hold he took his balance amount out via internet banking . His salary stopped 2 years back Idk why i make such mistake and how to stay vigilant as loan officer??

Looking for a finance job( FP&A, Accountant position, entry-level financial analyst position). I am looking for something finance-related and that kind of aligns with what my abilities.

I am all hears and my pm is open.

Background: I just started a new banking job after being off for 2 years with my daughter. It’s my second week and I was hired along with another girl for the same job. She is 21. I am 25 and both of our previous jobs were management. Mine was management for Menards and hers was management for Scooters coffee. I am a year into my bachelors and she has no college experience.

This gal started 3 days before me (I gave standard work notice to prior temporary job). Anyway….im getting very frustrated with her. Our manager wants us to rotate weekly on title releases and payoffs. We don’t have a lot of work so it can get boring once finished. I quite enjoy doing my job and she seems to as well. I’m running into the issue of her going above and beyond to do everything as fast as possible not leaving any work for me. She even goes as far to prepare documents that I am suppose to do the next day ahead of time. Leaving me even less work that once again I love to do. She writes down notes on every little thing our manager tells us. As soon as we get an email for a payout or title to be released she immediately responds to them saying she’s got it. Like I’m losing my mind. I asked my manager a question about an email that we all got today. My manager said “yeah I’m kinda confused about that too” and she butts in saying “oh I think it’s about….and proceeds to give a gist of what the email read” like no shit we both read the email but we are confused on how it apples to us and if you were included in the conversation you would have grasped that.

I was in charge of title releases last week and made an excel spreadsheet of the ones that were weird and not showing up so I could have something to do in my spare time and be efficient(I’m a smidge ocd). I shared it to her so she could add any she received on there as well. Well today she came up to me and said “oh yeah by the way I got all of those figured out but 3.” Then proceeded to tell me how she did it. “All you had to do was…..” Like great thanks Susie. There goes my extra work. Her doing all this extra work gives me no opportunity to learn anything (I learn by doing). And I also feel like I’m working with a child that has to constantly be praised like a child since she makes a point to tell everything she’s gotten done and went out of her way to do. I don’t have the dang energy to outdo her by going as fast as I can. Not do I want to. I’d rather take my time and have something to do all day. It’s making me feel like an undervalued worker because on the outside it might look like im lazy or not working hard enough. Idk I’m rambling. Just needed to vent

I’ve worked in fraud and chargebacks for over a decade. However I’ve also not been working for several years, so I’d like to ask what you all think happened. I miss working and would like to talk shop a bit.

My partner and I took a day trip yesterday and filled up twice selecting credit at the pump with a Mastercard debit card. One at a Mobile and one at a Sunoco.

I’m used to seeing $1, $50, $75, and $100 authorizations. These two authorizations were for the exact amount. Now today, the authorizations are gone and they aren’t showing posted either.

If anyone has any theories or experience with something similar, I’d love to read some work stories. I’m not concerned and not going to call the bank and bother them with curiosity.

My only thought is something about their batching process. Both pumps were on the NY state thruway (I-90).

hi all, i’ve been working in my position as a teller for almost 10 months and got hired on at $17 as that was the stated starting pay and got a pay bump at the beginning of the year of .51¢. a new hire recently left and a job posting was just put up for their position and the stated pay listed is $18! i know it’s not a huge difference but me and another coworker who’s been their 2 months longer then me is getting the same pay as i am so the new hire would be getting more then us.

has anyone experienced where they get their pay bumped up because new hire starting pay is now higher then when they were originally hired or have they experienced where new hires are just get paid more then them??

Been an RB with BOA since November. Went “live” in January on my own cash box. My center is very busy and I’m behind the line teller line a majority of the time (which I don’t mind).

Just don’t understand how they expect us as RBs to perform as a teller while also having a minimum number of client meetings, minimum number of phone calls and texts sent each day. Especially since my FC has 2 senior bankers, we are pretty fully staffed.

The expectations of this job and the reality of it all just seem so far apart. So, does it get better?

Only bankers would understand.

Does anyone have any experience working as a Divisional Governance Specialist at Wells Fargo? If so what is the amount of hours you work? It’s a salaried position as well.

Honestly I just accepted this position because I want to climb the ladder and I knew I would hate it. They always say to succeed in this role you need to plan your day and be organized, but I am not given any chance to plan because one day I am teller the next day I am banker or I am alternating between teller and banker on the same day. Everyday I stay till 6 and I still do not have any spare time to call my clients to ask what they’re coming in for. If I call and they don’t pick up then I need to wait for their call the next day but I am teller and cannot pick up the phone. At the end of the day I missed too many calls. I try to call at the end of the day because that’s the only time I have but of course no one picks up at that time. The cycle continues and I cannot prepare for any appointments. Most often they come in already upset and they will get more upset when I don’t know what’s going on. I hate being in this role and hate how I have to be teller some days. My senior coworker said they used to be like that too. Meaning just suck it up and get over it. Absolutely no support from branch management or seniors.

Got back from lunch and heard the details from my coworkers.

Last October this customer came in and opened 2 savings accounts. $110 into each account. Our "special" employee opened the accounts, took her money, and only processed the deposit into one of the accounts. At the end of that day employee balanced $110 over and didn't know where it came from. (Obviously this customer)

One Saturday in January while I was working, they came in complaining about how they had opened this account that was now closed because of a $0 balance. I did some looking around and figured out what had happened. With the help of our service center I got the account opened back up and deposited the $110.

Cue the complaining about getting her interest. We were about to close, so I told them I would have to take care of it on Monday but assured them I would get their interest deposited. After some calls on Monday I got $.01 credited to their account. This is honestly more than they earned, because interest on our savings accounts are garbage.

Today they came in complaining about the deposit and interest credit dates reflected on their statements. Because the statement shows everything happening in January, they think they are losing out on the "interest on interest" from October-January. When I heard all this I was flabbergasted. They wasted so much time and effort over less than a penny worth of interest.

Ultimately we ended up crediting her another $.01 just to get her to shut up. The accounts now sit with $110.02 and $110.03. They haven't made one deposit since opening the accounts.

I have a couple that don’t outright call someone dumb, but the silence is what does it. Ex- Mbr calls saying a merchant double charged them for something and they need to dispute it

Me: and what did the merchant say when you asked them about the double charge?

Mbr: oh well I didn’t call them yet…

Me- silently judging

Me- letting the silence go just a little too long

Me- okay so you would want to speak with them first, have a refund issued is usually much faster than a dispute investigation.

Or

(We have a coinstar that is available for the public but there is a sign clearly stating what we need from non-mbrs and the ticket states the member value and non member value)

Me- okay so since you don’t have an account with us this is what we need (repeating the information on the sign on the Coinstar machine) and you will be receiving this amount (circles the amount next to “non-member value”)

Non member- what? It says it was $XX.XX why am I getting less

Me- what does it say next to that number?

Nm- Member value

Me- are you a member with this credit union?

Nm- no but it says the value right there

Me- and what does it say here? (Points to nm value)

Nm- non member value…

Me- …

Me-So you’re getting $YY.YY back. How would you like the cash?

Or

When they come in to use the Coinstar and the screen says “tap to start” and they ask me how to start the machine and I just look at them and then the machine and back and them “Oh sure, what does the screen say?”

Them- “tap to start”

Me- … 🙃

A little passive aggressive? Maybe. But sometimes instead of hand holding and doing the thinking for them, we need to encourage a little critical thinking from the public.

Anyways, gimme yours

Guy comes into my office and says he can’t activate his new debit card. No problem, I’ll help. We dial the activation from his phone and hear “Press 1 for English”. He says “That’s why I can’t activate my card! I’m not pressing 1 for English in America!” I just kind of looked at him for a minute, finally said “Uh, I could press it for you?” He snapped back “THAT’S NOT THE POINT!” He eventually relented and we activated the card, but I still can’t believe this guy drove all the way to the bank to prove some kind of ridiculous point.

After a whole year of applying/interviewing for different positions and I could not be happier. The job I landed is with the same bank in their customer service/sales department. While i’m not thrilled that I still have to be in sales, at least my sales results are entirely on ME and not tied to the predisposed performance of the lackluster branch I’ve been working at with a manager who is the mayor of LaLa Land.

I will definitely miss my coworkers with whom I am trauma bonded, but man am I happy to finally break free of the branch life of having to wear a tie/button down and smelling these STANKY ass customers every day!

Had this super great interaction today with a member who needed help activating her card, it’s a joint acct with her mom as primary

Me: so to activate you want to make sure you’re calling from the primary number we have on file

Mbr- okay no problem

Me: okay so you wanna call from XXX-XXX-XXXX

Mbr- okay got it

Me: alright, let me know if you have any trouble

10 minutes later-

Mbr- when I called it said it couldn’t help me

Me- hmm did you call from the (number I verified earlier)

Mbr- No, actually that number is no good it’s been disconnected

Me- …

Me- oh okay so that was the number I verified with you earlier, let’s get that corrected then since you have to call from the primary number on file

Like??? Why didn’t you say something when I verified the number with you the first time?? Why waste both of our time?? Customer service in a nutshell.

Tell me its close to 6 figures.

Use to work at a restaurant and GMs can make up to 85k with 15% bonus so if you are hitting your metrics you are making close to 100k. Easy restaurant, honestly pains me that I wasn’t able to make it to GM. A lot of favoritism, and a lot of incompetence, dumbest people getting promoted and doing the bare minimum.

Left because i saw no future.

Now personal banker, trying to figure out what development path to look forward to, and I have been wondering how much managers make.

I honestly would be dumbfounded if they made less than managers at the restaurant i use to work at.

For years when I worked as a personal banker, it would get under my skin how most customers would automatically assume I was brain dead. Any advice I gave them was disregarded. Any suggestions I gave were immediately met with suspicion. Anytime I informed them of a policy, they would immediately assume I was wrong, and I always attributed it to customer arrogance.

But I get it now.

I recently helped my mom settle the estate of a close relative, who's been gone for the better part of a decade now. It's complicated. One of the things her lawyer asked for was a copy of his final statements, so we went into the same bank I used to work at, and asked the banker for the statements on the account.

Our request was met with a strange look, before being told that the bank did not have statements that went back that far. I knew this was baloney, I had pulled statements as far back as 1996. I asked if we could speak to a more senior colleague, but I was informed that she was the most senior Banker at that branch, having been there for 8 months. She then directed me to her Branch manager, who also echoed the sentiment that statements did not go back that far, which, having worked there for years, I knew to be false.

The manager called the back office to ask, and research and processing insisted that they couldn't pull statements from that far back. Again, I had pulled them from further back then that without going to research and processing, so I knew that this couldn't be true. The Ops specialist directed us to her supervisor, who echoed the same sentiment before directing us to the head of research and processing.

The department head called my mother at the attorney's office later that day and outlined in excruciating detail that the policies of the bank had changed, and they now no longer retain statements for more than 3 years. She went into a detailed story about how they had destroyed their entire microfiche archives and digital archives that went back over 3 years. She said that's just how it is, and she wished she could give us better news.

Okay, so it sounded like this was true. I had been out for a number of years and policy changes happened daily, so I figured that it is what it is. Then I randomly had a sneaking suspicion and called a friend of mine who still works for that same bank in one of the other branches. I asked her she could pull a statement from 10 years ago, and she pulled it up in LESS THAN 30 SECONDS!!

We had legitimately been lied to by the personal banker, the branch manager, research and processing, research and processing supervision, and the director of research and processing. I had been right! She had made that entire story up!

I was so mad, because that kind of corporate incompetence was a large part of what made me leave that Bank. I totally get it now. I totally get why all of my customers assumed that I was brain dead. I don't pretend that I was some sort of exceptional employee, but I knew how to do basic stuff and it seems that most of my former colleagues didn't even know that.

TLDR: Learned the hard way that most of my former bank colleagues could potentially risk drowning in a bowl of soup.

Walking in with the iPhones that have the little button at the bottom of the screen demanding to know why they can’t check their accounts anymore.

Idk dude probably because your phone is 10 years outdated. Does anyone else have this problem?

I show up to work and I like doing the transactions, but those stupid sales goals that the bank have us tellers do is ridiculous.

I know I might be placed on PIP soon, tough shit because I’m already applying to new jobs in the meantime. Ive only been here 5 months. I was left on my own, no training on how to have conversations. Once I reach my 6 months experience, I’m bouncing.

What kinds of mistakes do bankers make that are not fixable at all? I am a new banker and I made a mistake by doing product conversion without all the owners being there. They need to return with the required signatures but it’s kinda hard since one of the owners is out of state. I am not sure how we will even collect the signatures. I am confused because if we need to collect everybody’s signatures then honestly the system shouldn’t even allow me to do anything at all without everybody there. During training I have seen people do it but I don’t think it’s allowed anymore. The system is not updated to reflect this change and I still did it without checking. I think I’ll be let go.

We are reviewing IBS and DNA as alternatives to Jack Henry. Anyone willing to share their feedback on either of these cores or vendors?

This is my first week on my own and I feel overwhelmed in my position. It makes me question if this is the position for me? I have been in balance and only made one mistake which I have fixed. Does the overwhelming feeling go away with time? I just get overwhelmed with all the things you have to do at once like verifying funds, looking at checks, doing certain things on the system. Any tips? I ask questions but it’s hard when the people teaching you are busy with other customers.

Thinking, "I really wish this was mandatory for our customers as well."

From a security perspective, it seems like a bad idea to provide an 2FA/MFA code to someone over the phone.

It seems like a better idea to have the client visit a local branch and update the number they have on file.

Or if the account was opened online, for that person to submit whatever documentation was required to open the account initially to change their phone number.

It does not seem like a good idea to just give out a 2FA/MFA to any rando who calls in and can answer a few questions.

Where I work we are required to give their username, reset the password, and then provide a 2FA/MFA if they answer a few simple questions.

I think this a terrible security policy.

At my bank, we get surveys based on the customer’s experience when they come in to do their banking stuff. Transactions, reviewing their accounts, applying for HELOCS, and so forth. The score ranges from 0-10 and anything below a 8 is an automatic zero. Why it’s like that? Who knows 🙃 The surveys we get can help us get a bonus (on top of hitting our goals depending on our position), or it can hurt us if we don’t meet whatever number we need to hit that quarter

In my experience, it did affect me mentally in the beginning because I did everything correctly and I acknowledge the customers when they walk in the door or when they pull up in the drive thru. Hell, I even have personal small talk with them about life, sports, how inflation is hurting us, anything that comes to mind. I do all that and I still get a bad survey. But, after talking to my coworkers and my manager about it, they told me some people wake up angry at the world or they be having too much going on and don’t properly fill out the survey the day they receive it. And I was not aware of that and I understand that I cannot let that kind of stuff get to me

Hello all! I just accepted a job at my local credit union pending a background check. Of course they got details of my credit history. I've worked in the industry before and never really worried until recently. I was laid off in August due to a merger. I had to file for unemployment which took FOREVER. Making it so that I missed payments.Of course I've been looking for jobs ever since but it wasn't easy. The Credit Union has not contacted me yet but I just double checked the site and everything said clear except my credit report due to those late payments. That says consider. Is this a HUGE red flag and mean I could potentially lose the position or should I just wait to hear from them before thinking this is too bad?

Just getting real tired of folks who have no idea what they sign up for when they get a credit card, then are shocked when the interest kicks in. You can’t pay 140 every month when you’re spending 200 and getting interest!

They got us relationship bankers sitting with people for 30 mins working through each and every statement. Then you’ll get “my other bank wouldn’t do this”. Yes, they would. Lol.

We even get old people who think their CC is their debit card?? How do these people survive

(So as far as I know, I’m not getting fired or written up, we will be updating some policies and training)

About a week ago a guy came in with a check for $5000, and wanted to deposit it, it was a new account, 30 days old. I reviewed the account and saw his initial deposit was a check for a similar amount and that had gone on the 11 business day hold we have for new accounts, 30 days after that deposit it had not returned. I asked him what the check was from, he said it was for work he had done as a truck driver, the company was paying him for that.

I thought the amount was a bit much to release right away and so it went on a 2 business day hold, in my opinion I didn’t have reasonable doubt of collectibility to place it on a longer hold. He didn’t argue about the hold and I didn’t think much more of it.

A few days later, another guy comes in with a similar check, and the teller was going to put the check on hold, this guy argued and the manager got involved and then the guy said “well my friend has been cashing these checks here” and they asked for the friends name, they locate the account and it was the guy I had helped. Well they do some digging and find out the checks were altered. The check numbers and account were real, the company the checks were issued from are real, but the names had been changed. They were good fakes too. I am so disappointed in myself, I felt I had done everything I could to prevent this. The check hold has expired by this point and he had moved the funds out of the account.

I followed my training but it would appear “reasonable doubt of collectibility” is open to interpretation. I reviewed the account, I asked questions about the check, I put it on a hold, but to place it on an extended hold I was trained that we need to reasonably believe the check may not be paid. I keep going over it. My manager is great and he’s not mad, he just wants better training and he’s a littler newer in the role and this issue has not come up before, which is why they want to update the training on it.

I’m not looking for advice here, just letting it out. Has anyone else made dumb mistakes like this?

Hello folks,

Thank you all to those who sent positive or insightful comments and DMs from my prior post on here from a few weeks ago. Your strength helped me get through a terrible time.

The long and short of it is I was accused by an internal fraud investigation unit for force balancing. My manager stuck her neck out for me, and as a response, I am now on I am on a “probationary” sort of liminal period. They did not fire me, but I am not “off the hook” in any sense of the word. While I was originally accused of stealing $84.15, there was $53.15 that the back office could not find (meaning that my EOD balance should have been $53.15 instead of the -$0.85 it was by the end of it). Our center now has a loss of that amount.

I had to sign a form stating that the internal fraud investigation concludes I force balanced. They claim that I did not even access the screens necessary to reverse the transaction, and moving forward, there is basically no wiggle room for error. I can’t socialize much with clients moving forward, and I must be seen on camera trial balancing (which I do AT LEAST once a day anyways and have since June of 2023).

If I didn’t sign the documentation, it would result in termination; I couldn’t opt for that though, seeing as how my manager essentially placed her 18-year-long career on the line for me. While being fired would be earth-shattering, I couldn’t in good conscience sign her up for that same sentence.

I wish I bled money so I could just quit this hellhole. I hate what these terrible clients and terrible colleagues are doing to what little mental health I’ve had up until this point. We literally had to be “cashless” for a few weeks because an irate customer tried to assault a banker on-site after he berated him for being verbally abusive towards my manager (calling her slurs and just downright awful insults). I have worked so tirelessly day in and day out, I’m one of the last crew standing, I rake in positive reviews from all the weirdos I cater to all day long, and THIS is what I get to go home with???

But it’s okay: I’ll just go to work indefinitely, pretending I’m a super-happy animatronic at Disneyland. All I care about is surviving day-to-day. I don’t even enjoy my hobbies anymore. I’m not polite company at home anymore either. I don’t want to go to work tomorrow, but I’ve got to. It’s just a side effect of living at this point.

At my institution, policy is pretty clear. For checks to be negotiable, they must have a signature from the issuer, and the signature can be either pen-to-paper, or computer-generated.

Our old manager was pretty strict about policy and one day we saw a cashier's check from an insurance company, Sedgwick. Sedgwick had everything on the check, except that the "signature" from the issuer was actually just the text "Sedgwick" in cursive font pasted on the front of the check. Obviously, this isn't a computer-generated signature from an authorized signer at all, it's just the company name. Our old ABM turned down a couple of these checks due to them "lacking a signature", and I somewhat agreed with that - that's obviously not a signature, so it would be against policy.

Our new manager is a lot more lax and says that checks that bear some sort of stylized writing of the issuer's name (like the Sedgwick checks) count as having a signature. We see quite a bit of these checks now and never has back-office or processing given us any grief over them, so this "loosening" of the rules also made sense to me - we're not trying to cause issues for people, even if it's not a signature, I guess it can count.

But now, the problem is that we've been seeing cashier's check from a local medium-sized credit union start to appear. And these cashier's checks? Guess what's printed in the field where the issuer's signature would be?

"Signature on file".

That's it, just "signature on file". What is that even supposed to mean? It's not even stylized or written in cursive, and it's not the name of the CU in cursive, which would count based on the "Sedgwick" examples from above.

I put my foot down when I started seeing these new cashier's checks and my manager seems to have begrudgingly agreed with me for now. My coworkers continue to take in these checks with "signature on file" without any issue. I've sent back a couple of these "signature on file" checks that have appeared in night drop, and I've also had to turn away some clients who presented with these checks.

How can a large financial institution get away with printing out cashier's checks with NO signature on them? Every other FI I've seen just literally copy+pastes the computer-generated signature of one of their authorized signers, or their president or whatever on their checks.

So, question to you: What would you do? Put foot down and deny the checks for consistency's sake and to stick to policy? Say whatever and negotiate them?