Careers

At Citizens National Bank, we value our employees and strive to create an excellent work atmosphere.

Our goal is to serve clients with personal service provided by people they know and trust. Every member of our staff is client oriented, and we provide the highest level of service along with personal attention. Employees enjoy competitive wages along with excellent benefits.

Employee Benefits

Competitive wages
PTO for full-time employees
Medical & dental insurance
Vision insurance
Group life and long-term disability coverage
Employer HSA contributions
Supplemental coverage is available
401(k) matching program
Wellness workplace incentives

Open Positions

Compliance/BSA Analyst

Reports To: BSA & Compliance Manager

FLSA Status: Non-Exempt

Job Overview

As part of the Compliance Team, the Compliance/BSA Analyst supports the development, implementation, and maintenance of a comprehensive and holistic Compliance Management System (CMS) Program to ensure the Bank complies with all applicable federal and state laws, regulations, supervisory statements of policy, and internally developed policies and procedures. Additionally, the Compliance/BSA Analyst conducts reviews and analyzes regulatory compliance for the Bank.

Duties and Responsibilities

(The primary tasks, functions, and deliverables of the role.)

Responsible for complying with all applicable banking law and regulations, the Bank Secrecy Act/Anti Money Laundering regulations, and the Office of Foreign Asset Control regulations.
Apply customer due diligence information and customer identification procedures to identify higher risk customers.
Review Currency Transaction Reports.
Use BSA/AML monitoring application system and other reports to detect and investigate suspicious activity.
Analyze account transactions to detect unusual activity indicative of fraud or anti-money laundering and report any potentially suspicious activity.
Conduct higher risk customer reviews.
Responsible for Reg CC deposit hold reviews.
Conduct compliance monitoring, testing, and reporting.
Cross-train on other Compliance and BSA department tasks to be able to perform task when co-workers are out of the office.
Assist, as needed, with bank audits and exams.
Help monitor and assign regulatory compliance training.
Complete special projects as requested.

Skills and Competencies

(The abilities that the individual needs in order to perform this role effectively)

Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
Ability to multi-task and meet deadlines.
Effective verbal, written and interpersonal communication skills.
Strong analytical, organizational and time management skills.
Strong critical thinking skills.
Ability to pay attention to detail.
Sound judgement and decision-making skills.
Ability to work independently as well as with others.
Ability to learn new software.
Must be proficient in Microsoft Products including Word and Excel.
Must be able to complete all necessary filing, photocopying, and scanning on a regular basis.

Education and Experience

High School diploma or equivalent. Bachelor’s degree in business administration, finance, or related field preferred.
Minimum of 2 years banking experience, teller and/or new accounts experience or 1 year of AML/BSA regulations and methods, money laundering/terrorist financing and OFAC experience.
Educational experience, through in-house training sessions, formal school, or financial industry related curriculum, should be applicable to banking laws and regulations.
Knowledge of TRID, Reg B, Reg CC a plus.
Experience with Fiserv and Nasdaq Verafin a plus.

Teller

Reports To: Branch Service Manager/Assistant Branch Service Manager

Location: Coupland

Job Overview

The Teller provides excellent customer service to our clients and can perform a broad range of banking services including deposit transactions and other teller functions while following bank policies and procedures. This position requires strong attention to detail, excellent communication skills, and the ability to work efficiently and accurately. This position will support the branch by ensuring coverage for all branch hours, including some Saturdays as well as assisting the management team with business development initiatives.

Responsibilities

• Assist clients with deposits, withdrawals, and transfers.

• Participate in branch balancing and assisting with branch auditing.

• Promote, prepare, and sell bank related products and services such as debit cards, eStatements, checking accounts, certificates of deposit, etc.

• Assist in maintaining dual control and bank logs such as: daily opening and closing checklist; vault access; night deposit access and content verification; mail deposits; outgoing wires; cashier’s checks; counterchecks; key box contents; REG E debit card disputes; Teller/CSR over-short; cash transactions over $3,000; coin machine and ATM balancing; and Frost/Fed/TIB cash and coin buy/sell transactions.

• Follow compliance reporting procedures concerning CTRs, SARs, others.

• Adhering to policies, procedures, and regulatory banking requirements.

• Stay current on compliance and security training.

• Balance and audit ATM.

• Other duties and responsibilities as assigned.

Skills

• Ability to maintain confidentiality and demonstrate respect and professionalism.

• Excellent interpersonal skills; demonstrates consultative, influencing, and problem-solving skills.

• Excellent verbal and written communication skills to communicate professionally.

• Works great with a team.

Minimum Qualifications

• High school diploma or equivalent.

• One year of cash handling and/or banking experience.

• Must have a natural desire to help others and build lasting relationships with clients and teammates alike.

• Must always be conscious of the responsibility we have to our clients when it comes to suggesting products or services that could help them, handling fraud concerns, and helping them with their finances.

• Must be available to work Saturdays, depending on the needs of the business.

• Willing to travel to different locations within the organization if needed.

Deposit Operations Assistant Manager

Reports To: VP / Operations Officer

Location: Taylor

Job Overview

The Deposit Operations Assistant Manager will take a lead role in the department, supporting the VP/Operations Officer with all the operations duties as well as team management responsibilities within the department. The Deposit Operations Assistant Manager is responsible for a variety of deposit operational functions including but not limited to; ACH, wire, debit card, mRDC, merchant capture, and item and check processing. This position will provide support for deposit related functions/issues and ensure the department follows operating policies and procedures, internal controls, and regulatory requirements.

Responsibilities and Duties

Work with VP/Operations Officer to build efficiencies by automation and elimination of manual processes or redundancies.
Assist with annual audits, including the ACH audit.
Process a multitude of inquiries and transactions pertaining to wires, ACH, debit cards, mRDC, merchant capture, and check/return processing.
Create formal documentation of procedures, controls, and training within the department.
Charge off accounts and create reporting.
Escheat reporting.
Review reports and reconcile GLs.
Work with Fiserv debit card processing to investigate and resolve issues in a timely manner.
Back-up for other Deposit Operations functions and Online Banking.
Fraud.
Handling account corrections.
Other duties as assigned.

Oversee the overall day-to-day operational performance of the following

Handle the processing of rejected, stop pay, and insufficient items.
Perform document indexing of items created across multiple areas of the bank.
Process Fed charge backs.
Handle ACH prenote, returns and NOCs.
Monitor obituaries to manage benefit payment returns.
Process incoming and outgoing wires.
Debit card recons – network settlement, ATM clearing, network adjustments.

Review ACH OFAC/IAT report, duplicate items report.
Manage all customer account notices.
EFTPS payment processing and recon.
Mobility/Merchant Deposit Reviews/Approval/Processing.
Process return items in Client360.
AVS/SSI assignments/monitoring.
Process adjustments with correspondent and/or Fed.
Debit card disputes.
Review daily branch maintenance and reports, taking appropriate action as needed.

Qualifications

High school diploma required; college degree preferred.
5-7 years banking experience required.
Deposit Operations experience preferred.
Supervisory experience preferred.
Ability to communicate clearly and concisely both orally and in writing.
Attention to detail, strong analytical skills, and sound business judgement.
Productive and comfortable at multi-tasking, capable of taking initiative and working. independently under limited supervision.
Previous general ledger reconcilement experience preferred.
Previous exception item processing experience preferred.
Previous ACH and item processing experience preferred.
Previous debit card dispute experience preferred.
AAP certification (accredited ACH professional) preferred.

Skills

Analytical problem-solving skills with an impeccable attention to detail.
Excellent oral and written communication skills.
Strong interpersonal skills with ability to collaborate and build a consensus in a high-pressure environment.
Proficiency in Microsoft Office (Outlook, Excel, Word, etc.).
Knowledge of Fiserv Precision and ancillary products is preferred.

Apply Online

Send Your Resume

If you are interested in any of our open opportunities, please send your resume to [email protected]. We always accept resumes regardless of job postings.

Due to the number of candidates, we may not be able to respond to each application and resume submitted. We will contact you should your background/qualifications match our hiring needs.

Citizens National Bank is an Equal Opportunity Employer and a VEVRAA Federal Contractor.