Account Opening Specialist

Description

Summary: The Account Opening Specialist acts as an Onboarding Concierge, responsible for orchestrating a high-touch onboarding journey for customers. Working as a strategic partner to Business Bankers, this role is responsible for proactively gathering documentation, opening business accounts and configuring treasury/cash management services efficiently to ensure every client feels prioritized and expertly guided into our banking ecosystem. This team is committed to the client's immediate success through same-day execution—a promise that their business will be fully operational within 24 hours of warm hand-off, supported by uncompromising accuracy and a partnership-first mindset.

Specific Job Functions:

• Partner closely with Business Bankers to receive warm introductions and transition new clients smoothly into the account opening process.
• Conduct online research to obtain and verify necessary customer documentation from public sources to facilitate the account opening process (e.g., Articles of Organization, Operating Agreements, EIN verification).
• Engage directly with business owners and representatives to collect any additional, necessary legal, financial, and identification documentation (e.g., Driver’s License, beneficial ownership forms).
• Review documentation for completeness, accuracy, and adherence to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and Customer Due Diligence (CDD/KYC) requirements.
• Effectively navigate interactions with diverse business owners and stakeholders, adapting communication styles to suit various personalities and business needs.
• Provide Proactive Status Transparency by keeping clients informed of milestone progress (e.g., documentation verification, system setup, compliance review) so they never feel the need to request an update.
• Input customer, business, and account data into core banking and service systems with high precision.
• Configure account and associate business services parameters (e.g., online/mobile banking, wire transfer capabilities, ACH origination, remote deposit capture, positive pay, user accessibility).
• Apply predetermined, appropriate transaction limits, risk parameters, and approval workflows based on the client's profile and approved service agreements.
• Conduct dedicated follow-ups with clients to guide them through the final activation steps.
• Provide personalized, high-touch training to client administrators and end-users on banking platforms and services.
• Serve as an immediate point of contact for client troubleshooting during the initial onboarding window.
• Drive Digital Self-Sufficiency by training clients to independently execute their first transaction, successfully moving them from "onboarded" to "empowered."
• Maintain a tight cadence of communication with Business Bankers and support departments to ensure internal alignment, operational synchronization, and seamless hand-offs throughout the client onboarding lifecycle.
• Uphold our commitment to client success by completing all service provisioning within a 24-hour service level agreement.
• Orchestrate a "Warm Transfer" of the relationship to Portfolio Managers or Branch staff through personal introductions, ensuring a seamless continuity of service and advocacy.
• Identify and escalate complex compliance edge cases or operational bottlenecks promptly to management.

Requirements

Job Requirements:

• Education: Bachelor’s degree preferred in business, finance, communication or related field.
• Experience: 2+ years of experience in retail/business banking operations, deposit setup, or treasury management support.
• Entity Knowledge: Solid understanding of business entity structures (LLCs, Corporations, Partnerships, Non-Profits) and requisite legal documentation.
• Regulatory Compliance: Working knowledge of CIP, KYC, BSA/AML, and Beneficial Ownership rules.
• Research Skills: Ability and knowledge to research and obtain necessary customer documentation from various online sources (e.g., Secretary of State websites, State Corporation Commission websites, regulatory databases).
• Speed & Accuracy: Exceptional data entry skills with high attention to detail in a deadline-driven environment.
• Client Experience Orchestration: Ability to act as a client advocate, utilizing proactive communication to guide business owners through digital adoption while building rapport and articulating operational steps clearly to both clients and the Business Banking team.
• Technical Aptitude: Comfort navigating core banking systems, digital onboarding portals, and treasury management platforms.
• Client-Centric Mindset: A warm, proactive, and patient approach when training clients on new digital services.

Working Conditions:

• Standard office/desk environment utilizing standard computer equipment and phones.
• Occasional need to accommodate virtual screen-share sessions for client training.
• Full in-office attendance is preferred during the initial training period to support comprehensive system learning, team integration, and hands-on mentorship.

At MainStreet Bank we strive to bring talented, team-oriented individuals on staff to meet and exceed our customers' needs. MainStreet team members enjoy a friendly working environment, opportunity for personal and professional growth, generous benefits and access to resources for improving their well-being.

For more information visit our website at www.mstreetbank.com

MainStreet Bank is an equal opportunity employer. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.