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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.
Subscriber feature

Authoritative source data identified for 998 occupations

How a worker at each mastery level uses, directs, and evaluates AI tools in this occupation. Each statement cites its evidence inline; click a citation chip to verify the source.

Emerging
  1. AI-assisted data entry — uses AI-suggested field completions to populate new account records in the core banking system, verifying each entry against the customer-provided documents before saving Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab..
  2. Customer query lookup — copies a customer's question about available services into an AI assistant and reads the generated summary aloud to the customer, then confirms accuracy with the product guide WEF Skills TaxonomyWEF Skills Taxonomy 2021 — Building a Common Language for Skills at Work. Opens in new tab..
Developing
  1. Account intake drafting — directs an AI tool to pre-populate account application templates from scanned documents, then reviews and corrects the output before submitting to the back-office queue Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab..
  2. Service explanation support — prompts an AI assistant to generate plain-language descriptions of deposit accounts, bonds, and direct-deposit procedures, adapting the output to match the individual customer's level of understanding WEF Skills TaxonomyWEF Skills Taxonomy 2021 — Building a Common Language for Skills at Work. Opens in new tab..
  3. Fee and receipt reconciliation — delegates routine fee calculation to an AI-powered spreadsheet tool, cross-checking computed totals against system records before issuing customer receipts Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab..
Proficient
  1. Compliance script generation — instructs an AI tool to draft required regulatory disclosures for new account types, then edits the output for accuracy and branch-specific policy before presenting to the customer 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..
  2. Customer interaction preparation — uses an AI assistant to summarize a returning customer's account history and flag outstanding items, integrating that briefing into the opening conversation without surfacing raw AI output to the customer WEF Skills TaxonomyWEF Skills Taxonomy 2021 — Building a Common Language for Skills at Work. Opens in new tab..
  3. Error triage delegation — pastes flagged data-entry exceptions into an AI assistant to identify the probable cause, then applies the human-verified correction within the banking platform Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab..
Advanced
  1. Process redesign leadership — evaluates AI-augmented account-opening workflows against branch accuracy and customer satisfaction metrics, identifying where active listening and social perceptiveness tasks remain human-essential and where AI handoff is safe 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..
  2. AI output quality governance — establishes branch-level review checkpoints for AI-generated account documents and customer communications, training junior clerks to detect hallucinations and compliance gaps before customer delivery Jadhav & Danve, 2026Skill Automation Feasibility Index — Jadhav & Danve, 2026 (arXiv:2604.06906). Opens in new tab..
  3. Cross-system AI orchestration — coordinates AI tools across document scanning, CRM pre-population, and disclosure generation to deliver a seamless new-account experience, retaining human judgment for non-standard customer circumstances WEF Skills TaxonomyWEF Skills Taxonomy 2021 — Building a Common Language for Skills at Work. Opens in new tab..
Evidence pack
SAFI positioning
Top skill: Active Listening
Score: 42.2 / 100
Quadrant: Q2_ai_augmented
precision: exact
WEF cluster
Human-Technology Interaction
human_technology_interaction
Sources: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.

Pathsmith Durable Skills Framework

Sources:Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Subscriber feature

Ten durable-skill domains mapped to four proficiency/role levels for each occupation. Each statement is aligned to the Pathsmith taxonomy, derived from trusted grounding data and mapped to occupation-specific O*NET tasks and skills.

1Communication11 statements
Emerging
  1. Account opening intake — collects basic customer information through structured questions during initial account interviews Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Service explanation — describes standard deposit account types and ATM card procedures using plain language to first-time customers O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  3. Written entry accuracy — enters customer-provided information into account opening forms and computer fields with basic attention to detail O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Product communication — explains the features and differences among deposit accounts, certificates of deposit, and bonds in response to customer questions Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Referral messaging — conveys to customers which bank personnel or departments can address needs beyond new account services, providing clear next steps O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  3. Error resolution communication — articulates investigation findings and corrective actions to customers requesting account error corrections in a calm, organized manner Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Service orientation dialogue — conducts full new account interviews that elicit complete financial background, verifying all required information while maintaining professional rapport Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Multi-channel explanation — adapts explanations of direct deposit, safe-deposit box rental, and securities services to customers with varying financial literacy levels Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  3. Receipt and transaction documentation — communicates deposit and fee collection outcomes to customers through both verbal confirmation and accurate written receipts O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Customer financial guidance communication — synthesizes complex product options into clear, tailored recommendations during account consultations, anticipating follow-up questions before they arise Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Cross-functional liaison communication — serves as the primary communication bridge between customers and specialized bank personnel, ensuring accurate handoff of customer needs and account context Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
2Leadership8 statements
Emerging
  1. Procedural ownership — takes responsibility for completing assigned account opening steps from intake through document filing without requiring step-by-step supervision Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Customer advocacy initiation — identifies when a customer's need exceeds standard new accounts scope and proactively flags the situation to a supervisor Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Peer knowledge sharing — demonstrates correct account opening procedures and computer entry methods to newly onboarded colleagues during on-the-job orientation Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Error accountability — takes ownership of account entry errors by initiating investigation and correction processes rather than deferring to others Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Queue management leadership — coordinates customer flow during high-volume periods, organizing intake priorities to maintain service quality and minimize wait times Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Process improvement initiative — identifies recurring data entry or documentation inefficiencies in the new account workflow and proposes corrective adjustments to branch management Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
Exceeding
  1. Branch procedure mentorship — guides junior clerks and tellers through complex account scenarios, error resolution protocols, and regulatory compliance requirements Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Service standard leadership — models and reinforces the branch's customer service standards during account opening interactions, setting behavioral benchmarks observed and adopted by peers Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
3Metacognition8 statements
Emerging
  1. Self-monitoring during intake — recognizes when a customer's answers are incomplete or inconsistent and pauses to re-ask clarifying questions before proceeding Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Learning awareness — identifies personal knowledge gaps in specific account products or procedures and seeks clarification from supervisors before advising customers Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
Developing
  1. Error pattern recognition — reflects on recurring data entry mistakes in account records and adjusts personal verification habits to prevent repetition Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Procedure internalization — evaluates own progress in memorizing account application steps and prioritizes self-study of the policies most frequently encountered Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
Applying
  1. Workflow self-assessment — regularly evaluates personal efficiency in processing new account documentation and adjusts strategies to maintain accuracy under volume pressure Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Customer interaction reflection — reviews difficult or unsuccessful customer interactions to identify communication or product knowledge gaps and plans targeted improvement Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Strategic learning planning — creates structured personal development plans targeting emerging financial products, regulatory changes, and system updates relevant to new account processing Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Cognitive load management — deliberately sequences complex multi-account customer interactions to maintain accuracy and attentiveness throughout extended shifts Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
4Critical Thinking8 statements
Emerging
  1. Document verification — cross-checks customer-provided identification and information against required account opening criteria before proceeding with data entry Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Product applicability assessment — identifies which account type a customer is describing based on their stated needs and matches it to available offerings O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Error investigation — analyzes customer account records and transaction histories to isolate the source of reported discrepancies before initiating corrections Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Referral judgment — evaluates the complexity of a customer's financial need to determine whether it falls within new accounts scope or requires specialist referral Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Risk identification during intake — detects inconsistencies or red flags in customer-provided information during account interviews and applies appropriate verification protocols Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Procedural exception analysis — assesses non-standard account opening situations against bank policy to determine the correct course of action without escalating every edge case Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Systemic error diagnosis — identifies patterns across multiple customer-reported account errors to determine whether the root cause is procedural, systemic, or human, and recommends corrective action Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Policy gap reasoning — evaluates situations where existing account procedures do not fully address a customer scenario and constructs a reasoned, policy-consistent resolution Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
5Collaboration8 statements
Emerging
  1. Teller coordination — cooperates with teller staff during shared duties, communicating customer transaction needs clearly to avoid processing errors Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Information handoff — provides complete customer context to bank personnel when referring customers, ensuring no duplication of intake questioning O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Cross-department coordination — works with loan officers, financial advisors, and operations staff to resolve account issues that span multiple banking functions Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Shared workload contribution — adjusts personal task prioritization during peak periods to support overall branch throughput alongside colleagues Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
Applying
  1. Integrated service delivery — collaborates with teller, lending, and investment staff to deliver seamless customer experiences across multiple product touchpoints during a single branch visit Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Error correction teamwork — partners with operations and IT staff to investigate and resolve system-level account discrepancies requiring multi-department input Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Branch process alignment — leads collaborative review sessions with teller and operations teams to align new account procedures across all staff, reducing inconsistencies in customer experience Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Mentored collaboration — coaches peers on effective handoff practices and inter-department communication, improving collective efficiency in customer routing and referral Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
6Character8 statements
Emerging
  1. Data confidentiality adherence — handles customer financial and personal information with strict privacy practices from the first day of account opening duties Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Honest service representation — accurately represents account features and limitations to customers without overstating benefits to secure account openings Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Regulatory compliance integrity — consistently follows bank compliance and anti-fraud procedures during new account interviews, even under customer pressure or time constraints Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Accountability in error handling — acknowledges account processing errors to supervisors and customers without deflecting responsibility, initiating correction promptly Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Ethical referral practice — directs customers to appropriate products and personnel based on genuine need assessment rather than convenience or departmental pressure Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Consistent professionalism — maintains equitable, respectful, and compliant conduct across all customer interactions regardless of the customer's financial background or communication style Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
Exceeding
  1. Ethics modeling — demonstrates and reinforces compliance, confidentiality, and honest service standards in ways that visibly influence peer conduct and branch culture Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Integrity under pressure — upholds bank policy and customer advocacy simultaneously in high-stakes situations such as fraud suspicion or account disputes, without compromising either Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
7Creativity8 statements
Emerging
  1. Adaptive explanation — rephrases account feature descriptions using different analogies or examples when a customer does not understand the initial explanation Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Problem-solving improvisation — finds an immediate alternative path to serve a customer when a standard account opening step is temporarily unavailable due to system issues Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
Developing
  1. Customer need reframing — re-examines a customer's stated account request to identify an underlying need and suggests a more suitable product option Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Documentation workaround — develops accurate interim record-keeping methods during system outages that preserve data integrity without disrupting customer service Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
Applying
  1. Service pathway design — constructs non-standard onboarding sequences for customers with complex financial situations that satisfy compliance requirements while streamlining the customer experience Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Customer education innovation — develops simplified visual or verbal explanations of products like certificates of deposit or direct deposit enrollment that improve first-attempt customer comprehension Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Process improvement ideation — generates and pilots novel approaches to intake documentation, customer queuing, or error tracking that measurably improve branch efficiency Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Cross-product solution design — crafts multi-service account packages addressing a customer's full financial profile by creatively combining available products within policy boundaries Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
8Growth Mindset8 statements
Emerging
  1. Feedback receptivity — accepts correction from supervisors on account entry errors or customer service techniques and applies changes in the next interaction Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Product knowledge pursuit — proactively reviews updated bank product materials and procedure guides when new account types or regulations are introduced Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Challenge persistence — continues working through difficult customer account scenarios without escalating prematurely, using available resources to resolve issues independently Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Skill expansion effort — voluntarily takes on teller duties and cross-functional tasks to broaden competence beyond core new account processing responsibilities Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Setback integration — analyzes unsuccessful customer interactions or processing errors to extract actionable lessons that demonstrably improve subsequent performance Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Regulatory change adaptation — embraces updates to account opening regulations or bank systems as opportunities to deepen expertise rather than sources of disruption Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Continuous mastery pursuit — seeks advanced training in financial products, compliance requirements, and customer relationship management to expand professional contribution beyond the new accounts role Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Mentored growth culture — actively encourages peers to view account processing errors and difficult customer interactions as learning opportunities, normalizing reflective practice in the branch Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
9Mindfulness8 statements
Emerging
  1. Attentive listening during intake — maintains focused attention throughout customer interviews, avoiding distractions that cause missed or misrecorded information Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Emotional awareness in service — recognizes when a customer is frustrated or anxious about a financial matter and adjusts tone and pace accordingly Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Developing
  1. Stress regulation during peak volume — maintains composure and accuracy during high-traffic periods when multiple customers require simultaneous attention Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Intentional data entry — applies deliberate attention to each field during account information entry, reducing keystroke errors caused by rushed or automatic processing Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. Present-moment customer engagement — gives each customer complete attentiveness during their account interview, preventing carryover stress from previous difficult interactions from affecting service quality Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Emotion regulation in conflict — manages personal emotional responses during account disputes or error correction conversations, keeping interactions solution-focused and professional Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
Exceeding
  1. Mindful branch environment — models and encourages intentional, present-focused customer service practices that reduce errors and improve the overall branch interaction quality Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Sustained attention under sustained difficulty — maintains full attentiveness and professional composure across long shifts involving repeated complex account opening sequences or emotionally demanding customer interactions Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
10Fortitude8 statements
Emerging
  1. Complaint endurance — remains calm and continues service delivery when customers express dissatisfaction with account policies or fees, without becoming defensive Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Uncertainty navigation — proceeds confidently through unfamiliar account opening situations using available policy references rather than freezing or refusing to assist Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
Developing
  1. Error resilience — recovers quickly from account processing mistakes by correcting the record, informing the customer, and resuming normal service without prolonged disruption Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
  2. Policy enforcement persistence — maintains required compliance procedures even when customers push back against identification or documentation requirements Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Applying
  1. High-volume endurance — sustains accurate and courteous account opening performance across extended periods of continuous customer demand without degradation in quality Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Difficult interaction perseverance — works through protracted account error investigations or multi-step correction processes with sustained focus until full resolution is achieved Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Exceeding
  1. Systemic challenge resilience — leads the branch through procedure disruptions such as system outages or regulatory changes with steady, solution-oriented conduct that stabilizes team performance Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.
  2. Sustained professional courage — consistently upholds compliance and ethical standards during high-pressure situations involving account fraud suspicion, escalated disputes, or audit scrutiny Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab. O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
Sources:Pathsmith Durable SkillsPathsmith Durable Skills Framework — America Succeeds + CompTIA. Opens in new tab.O*NET v30.2O*NET Resource Center — Occupational Information Network, v30.2 (Sept 2025). Opens in new tab.
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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.