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New Accounts Clerks

SOC 43-4141.00Job Zone 3 · Medium Preparationv.26.05

Context coveredThis framework covers new accounts clerk competencies in retail and commercial banking branch environments, from supervised entry-level account opening and teller support through senior-level autonomous service delivery to leadership of branch-wide new accounts strategy and staff development.

Sources:O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.SkillsCrosswalkSkillsCrosswalk — O*NET enrichment + adjacency index. Opens in new tab.
Emerging
Entry / Apprentice
  1. New account intake forms — complete and submit under direct supervisor review in a retail banking branch environment.
  2. Customer deposit and fee records — collect and enter into banking software following step-by-step procedural guides.
  3. Basic account information — key into the bank's database accurately under close oversight during initial onboarding period.
  4. ATM card and direct deposit procedures — explain to new customers using prepared reference materials at the service desk.
  5. Incoming customer inquiries — respond to using scripted service guidelines in a supervised branch setting.
  6. Standard account application interviews — conduct with straightforward customers following a structured question checklist.
  7. Simple teller transactions — process including cash handling and receipt issuance under direct supervision at the teller window.
  8. Customer referrals to senior bank personnel — initiate when questions exceed entry-level scope in a branch office.
  9. Related account opening documents — file and organize in physical and electronic folders according to established filing protocols.
  10. Basic office suite software and email tools — use to draft correspondence and log account activity under manager guidance.
Developing
Mid-level / Established
  1. New account data — compile and enter into CRM and database systems with minimal oversight during routine daily operations.
  2. Customer deposits, fees, and receipts — record and reconcile accurately using accounting software in a mid-volume branch environment.
  3. Safe-deposit box rental agreements — process and complete by interviewing customers independently following standard bank procedures.
  4. Available banking services including bonds and deposit accounts — explain clearly to diverse customers without referencing scripted materials.
  5. Account application errors — investigate and correct by cross-referencing customer and bank records upon request with limited supervision.
  6. Teller duties — perform reliably during peak periods, including cash balancing and transaction verification at a full-service branch.
  7. Customer financial needs — assess during intake interviews and route customers to appropriate specialists using judgment developed through experience.
  8. Direct deposit and certificate of deposit applications — guide customers through independently, addressing common follow-up questions on the spot.
  9. Spreadsheet software — use to track new account volumes, pending applications, and daily transaction summaries for branch reporting.
  10. Customer service interactions — monitor for satisfaction signals and adapt communication style to meet varying customer expectations.
Proficient
Senior / Expert IC
  1. Complex or non-routine account opening scenarios — resolve autonomously by applying knowledge of banking regulations and customer service standards.
  2. Full teller function — execute independently across all transaction types including large cash transactions and foreign currency in a high-volume branch.
  3. Account discrepancies and error investigations — lead end-to-end using detailed review of bank records, CRM data, and transaction histories.
  4. Full range of retail banking products including securities and bonds — present and recommend to customers based on thorough needs assessment.
  5. Customer complaint resolution — manage without escalation by applying critical thinking and bank policy knowledge across the full scope of new accounts services.
  6. ERP and financial analysis software — utilize to generate branch-level account performance reports and identify service gaps.
  7. Multi-channel customer communication — coordinate across in-person, phone, and email channels to ensure consistent and accurate account servicing.
  8. New accounts workflow quality — monitor across daily operations to identify recurring data entry errors and recommend corrective procedures.
  9. Customer onboarding efficiency — improve by evaluating existing intake processes and proposing updates grounded in compliance and service best practices.
  10. Regulatory and public safety requirements related to new accounts — apply confidently during KYC and fraud prevention screenings at account opening.
Advanced
Lead / Principal / Executive
  1. Branch new accounts strategy — set direction by defining service standards, performance benchmarks, and compliance expectations across the department.
  2. New accounts staff training programs — design and deliver to build competency in account opening procedures, software tools, and customer service techniques.
  3. CRM and database systems — oversee configuration and usage standards to ensure data integrity and consistent account management practices branch-wide.
  4. Cross-functional banking service delivery — lead by coordinating new accounts operations with teller, lending, and investment teams to meet customer financial goals.
  5. Departmental performance metrics — analyze using financial analysis and ERP software to drive continuous improvement in account acquisition and retention.
  6. Complex escalated customer situations — resolve at the executive level by applying deep judgment in compliance, ethics, and customer relationship management.
  7. Sales and service culture — cultivate within the new accounts team through coaching, feedback cycles, and modeling effective customer engagement behaviors.
  8. Regulatory compliance frameworks for new account operations — champion organization-wide, ensuring alignment with banking laws and institutional risk policies.
  9. Technology adoption across the new accounts function — guide by evaluating emerging banking tools and leading implementation of upgraded software platforms.
  10. Organizational new accounts policies and procedures — author and maintain to reflect current regulatory requirements, industry best practices, and institutional priorities.

AI-at-Work Competency Framework

Sources:Anthropic Economic IndexAnthropic Economic Index — release_2026_03_24. Opens in new tab.Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab.WEF Skills TaxonomyWEF Skills Taxonomy 2021 — Building a Common Language for Skills at Work. Opens in new tab.

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Show O*NET source anchors54 anchors · skillscrosswalk.com

O*NET enrichment · skillscrosswalk.com

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Source anchors that ground each statement

Related titles
Financial Services Representative · Admit Clerk · Bank Representative · Banking Services Clerk · Banking Services Representative · Bilingual Personal Banker · Bilingual Spanish Personal Banker · Branch Service Specialist · Customer Service Specialist · Financial Service Representative · Financial Services Officer · Member Service Representative
RAPIDS apprenticeships
0302 · Financial Services Representative
O*NET skills
Active ListeningSpeakingReading ComprehensionService OrientationSocial PerceptivenessCritical ThinkingMonitoringCoordinationJudgment and Decision MakingWritingPersuasion
Knowledge domains
Customer and Personal ServiceSales and MarketingAdministrativeEnglish LanguageComputers and ElectronicsMathematicsEconomics and AccountingPublic Safety and SecurityEducation and Training
Abilities
Oral ExpressionOral ComprehensionWritten ComprehensionNear VisionSpeech ClaritySpeech RecognitionDeductive ReasoningProblem SensitivityInductive ReasoningInformation Ordering
Work styles
DependabilityAttention to DetailCooperationSocial OrientationIntegritySelf-Control
Technology
Accounting softwareData base user interface and query softwareEnterprise resource planning ERP softwareElectronic mail softwareFinancial analysis softwareCustomer relationship management CRM softwareSpreadsheet softwareInternet browser softwareOffice suite softwarePresentation software
Tasks · seed anchors for statements
  1. Perform teller duties as required.
  2. Compile information about new accounts, enter account information into computers, and file related forms or other documents.
  3. Collect and record customer deposits and fees and issue receipts, using computers.
  4. Inform customers of procedures for applying for services, such as ATM cards, direct deposit of checks, and certificates of deposit.
  5. Answer customers' questions and explain available services, such as deposit accounts, bonds, and securities.
  6. Interview customers to obtain information needed for opening accounts or renting safe-deposit boxes.
  7. Refer customers to appropriate bank personnel to meet their financial needs.
  8. Investigate and correct errors upon customers' request, according to customer and bank records.
CIP education codes
52.0803

Sources: O*NET v30.2 (CC BY 4.0), SkillsCrosswalk.com, LER.me®, Anthropic Economic Index, SAFI (Jadhav & Danve, 2026), WEF Skills Taxonomy 2021, Pathsmith™ Durable Skills Framework. © 2026 EBSCOed.