Banking & Financial Services
Bank Customer Service Officer
Bank customer service officers, also known as bank tellers, are responsible for accurately processing routine transactions at a bank.
Senior secondary school certificate or equivalent
What does a Bank Customer Service Officer do?
Bank customer service officers, also known as bank tellers, are responsible for accurately processing routine transactions at a bank. These transactions may include processing deposits, collecting loan payments, or cashing cheques. Bank customer service officers may also advise customers on how to use the bank’s facilities, or provide basic information about products or services.
As a bank customer service officer, you would:
- accept cash or money orders deposited by customers, credit customers' accounts and issue receipts and statements
- pay money to or credit accounts for customers according to advice slips, cheques or other banking documents, and debit appropriate accounts
- conduct foreign currency transactions for overseas travellers
- provide change and cash cheques
- balance cash
- answer customer enquiries
- identify customer needs and refer customers to appropriate banking services and specialists
- open and close accounts.
Key skills and interests
To become a bank customer service officer, you would need:
- good communication and interpersonal skills
- the ability to make calculations quickly and accurately
- good IT skills
- strong organisational skills.
Working hours and conditions
Many bank customer service officers work full time, but part-time or flexible work is usually readily available.
Most bank employees work in a branch network, where customers are mainly local businesses and individuals. Bank customer service officers may be required to travel or transfer between branch locations.
How to become an Bank Customer Service Officer?
Entry Level Education
You can work as a bank officer without formal qualifications, although entry level roles in banking are very competitive, and most applicants would have gained either a VET qualification in banking services, financial services, accounting or bookkeeping, or a degree in business, commerce or economics with a major in banking or finance. To get into degree courses you usually need to gain your senior secondary school certificate or equivalent. English and maths would be appropriate subjects to study prior to university.
Some larger banking organisations may offer graduate traineeships as an entry point to the company.
The banking and financial industries are changing at a rapid rate. New technology is increasingly being used and local branches closed, along with the introduction of new ways of conducting banking business, all of which are affecting employment demand.
Online and mobile banking allows customers to handle many transactions traditionally handled by tellers. As more people use new banking methods, fewer bank customers are visiting bank branches, so the need for bank customer service officers is likely to decline.