Senior New Account Review Specialist

GENERAL SUMMARY

The Senior New Account Review Specialist serves as a subject-matter resource and liaison to Retail Banking and other areas of the Bank, providing advanced review, verification, and processing of client account-opening documentation. The role independently evaluates complex or higher-risk account documentation for compliance with legal, regulatory, and internal policy requirements; investigates and resolves discrepancies, errors, and missing documentation; and escalates material issues when appropriate. The Senior New Account Review Specialist supports quality assurance, process improvement, training, and consistent execution across the new-account review function to promote accurate, timely, and compliant client onboarding.

ESSENTIAL FUNCTIONS

1. Provide advanced guidance to branches and internal departments regarding Bank policies, procedures, documentation standards, and complex account-opening requirements by telephone and email. Research and resolve escalated documentation issues in a timely manner.
2. Ensure compliance with all applicable laws, regulations, and requirements, including but not limited to BSA/AML, CIP, OFAC, Regulation CC, Regulation E, Regulation DD, UDAAP, and Bank policy.
3. Maintain expert knowledge of products, services, procedures, and systems within assigned areas. Communicate relevant changes and help translate requirements into consistent operational practices.
4. Independently review complex, higher-risk, or nonstandard new-account documentation for adherence to legal and regulatory requirements and Bank policy; identify material exceptions and escalate issues appropriately.
5. Perform detailed system review of customer- and account-level data for accuracy, completeness, and consistency with supporting documentation.
6. Monitor missing or incomplete documentation, partner with business units to resolve exceptions, and analyze daily reports to identify aging items, recurring defects, and emerging risks.
7. Conduct pre- and post-documentation quality reviews of new account openings and provide actionable feedback to improve accuracy and reduce repeat exceptions.
8. Serve as an escalation point and subject-matter resource for internal partners regarding account status, required documentation, exception handling, and procedural interpretation.
9. Perform quality-control reviews, identify root causes and trends, recommend corrective actions, and assist management with reporting on review volumes, exception rates, and service levels.
10. Coach and support less-experienced team members through knowledge sharing, peer review, and guidance on complex cases; assist with training materials and procedural updates.
11. Support system enhancements, vendor relationships, user-acceptance testing, and implementation activities related to account-opening platforms and core systems.
12. Lead or participate in process-improvement initiatives, audits, regulatory examinations, and special projects; help document controls and remediation activities.
13. May serve as a workflow lead or backup resource for the supervisor and may be cross trained on various positions within the department.

QUALIFICATIONS

Education:   

• High School diploma required; college degree in business, finance, or related field preferred but not mandatory (or equivalent experience).

Experience: 

• Minimum 5 years of progressively responsible experience in deposit operations, new-account review, branch operations, or a related financial-institution function, including experience independently resolving complex documentation or compliance issues.

Skills/Ability:

• Advanced proficiency with Microsoft Word, Excel, and Outlook; experience with account-opening platforms and core banking systems preferred.
• Excellent interpersonal, verbal, and written communication skills, including the ability to explain complex requirements clearly.
• Ability to effectively interact with all Bank departments and levels of employees and to influence timely resolution of issues.
• Exceptional attention to detail and sound judgment when reviewing legal documents, account structures, and client data.
• Strong knowledge of deposit products, customer identification and due-diligence requirements, BSA/AML, OFAC, and applicable consumer regulations.
• Demonstrated ability to research, interpret, and apply policies, procedures, laws, and regulations to complex or nonstandard situations.
• Strong analytical, problem-solving, quality-control, and root-cause analysis skills.
• Ability to coach peers, share technical knowledge, and provide constructive feedback without direct supervisory authority.
• Ability to prioritize competing deadlines, manage a high-volume workload, and work independently with limited supervision.
• Ability to handle sensitive financial and customer information with discretion.

OTHER DETAILS

$26.44 – $29.81 / hour 

Pay determined based on job-related knowledge, skills, experience, and location.

This position may be eligible for a discretionary bonus.