Deborah Gearhart
Chambersburg,PA
Summary
Dedicated customer service representative recognized for strong problem-solving abilities and effective communication. Committed to providing exceptional support and building lasting client relationships while ensuring transaction accuracy and adherence to banking regulations.
Overview
32
32
years of professional experience
Work History
Bank Teller/Customer Service Representative
First National Bank of Greencastle
Greencastle/Chambersburg, Pennsylvania
06.1981 - 06.2001
- Processed customer transactions accurately and efficiently at First National Bank.
- Supported customers with account questions and product details.
- Maintained cash drawer and reconciled transactions at end of each shift.
- Monitored compliance with banking regulations and internal policies.
- Educated customers on digital banking services and online account management.
- Collaborated with team members to enhance customer service experiences.
- Resolved customer issues promptly to maintain satisfaction and trust.
- Participated in training programs to improve operational procedures and skills.
- Managed large cash transactions while maintaining accuracy and security protocols. with accuracy while maintaining appropriate levels of security.
- Performed cash handling duties including counting currency, coins and checks.
- Provided exceptional customer service to customers by answering inquiries, resolving complaints and processing transactions in a timely manner.
- Processed customer deposits and withdrawals accurately, balancing the cash drawer daily.
- Maintained confidentiality of bank records, transactions and customer information.
- Processed customer checks by verifying identification and ensuring compliance with bank policies., verified identification and checked account balances in accordance with bank policy.
- Served a large number of customers during high volume shifts and remained composed and professional in stressful situations.
- Balanced teller drawers regularly throughout the day according to established procedures.
- Explained bank services, financial products and applicable fees to customers.
- Verified customer signatures on documents and ensured accuracy of all paperwork before submitting for approval.
- Entered transactions into a computer and issued customer receipts.
- Assisted customers with opening new accounts, ordering checks, and setting up online banking services.
- Assisted other tellers during peak business hours.
- Identified and assessed customer financial needs, providing tailored product recommendations.
- Responded and assisted customers with account inquiries and updates.
- Adhered to strict guidelines regarding financial and customer data to avoid breaches and information misuse.
- Reconciled cash and checks against computer records at end of shift.
- Processed customer requests for check orders, ensuring accuracy in details and delivery., placed stop payment orders and conducted additional special services for customers.
- Researched customer inquiries regarding their accounts using internal banking systems.
- Identified and reported suspicious behavior to security personnel as appropriate.
- Consistently met sales goals by effectively promoting relevant bank products and services.
- Took on additional shifts during busy periods to minimize staffing shortages.
- Identified suspicious activity on account holders' accounts and reported any discrepancies to the supervisor immediately.
- Demonstrated expertise in identifying and mitigating potential fraud and transaction risks.
- Reconciled daily sales sheets with actual physical money received from customers or deposited into ATM machines.
- Prepared reports on transaction activity for management review.
- Cross-sold bank products such as savings accounts and credit cards to existing clients.
- Maintained accurate records of all financial transactions.
- Built and maintained client relationships through quality, personalized interactions.
- Delivered exceptional service to customers in person or over the telephone.
- Issued and redeemed money orders, cashier checks, travelers checks and savings bonds.
- Used strong knowledge of banking products and services to confidently educate customers about features, benefits and pricing.
- Adhered to financial services security and audit procedures.
- Directed specific questions to appropriate branch personnel.
- Identified transaction errors when debits and credits did not balance.
- Fulfilled diverse duties to provide customer service, operate money counters, balance and replenish ATMs, maintain accounts and open new accounts.
- Counted currency, coins and checks received to prepare for deposit or shipment to branch banks or Federal Reserve Bank.
- Received mortgage and other loan payments, verifying payment dates and amounts due.
- Prepared official checks for customer and internal bank needs.
- Checked accuracy of transaction amounts to ensure proper handling of funds during processing. and integrity of every check or funds transfer.
- Acted as a pivotal point of contact between bank branches regarding guidelines and practices.
Telephone Operator
United Telephone
Chambersburg, PA
06.1969 - 09.1980
- Operated multi-line phone systems to connect incoming and outgoing calls.
- Assisted customers by providing information and resolving inquiries promptly.
- Maintained accurate call logs and records for efficient tracking and reporting.
Education
High School Diploma -
Chambersburg Area School District
Chambersburg, PA08-1969
Skills
- Transaction processing
- Cash handling
- Cash handling accuracy
- Cash handling expertise
- Transaction reconciliation
- Deposit management
- Account management
- Account updating
- Digital banking
- Financial product expertise
- Relationship management
- Product sales
- Sales cross-selling
- Regulatory compliance
- Regulatory knowledge
- Processing accuracy
- Detail orientation
- Time management
- Teamwork
- Problem solving
- Problem-solving
- Conflict management
- Software knowledge
- Money orders
- Relationship management
- Relationship building
- Relationship development
- Clear communication
- Communication skills
- Active listening
- Positive demeanor
- Professionalism
- Money management
- Money orders
- Communication skills
- Relationship development
- Cash handling accuracy
Timeline
Bank Teller/Customer Service Representative
First National Bank of Greencastle
06.1981 - 06.2001
Telephone Operator
United Telephone
06.1969 - 09.1980
High School Diploma -
Chambersburg Area School District