Online Account Business Specialist (Remote) Job 2024 Full Time

As a leading regional bank, SouthState has been providing financial solutions to individuals, families, and businesses in the Southeast for more than 100 years. SouthState team members strive to create remarkable experiences while building meaningful and lasting relationships. We are proud to be a reflection of the communities we serve, and our team members share core values that make SouthState a great place to bank, and a great place to work.
SUMMARY/OBJECTIVES
The Online Account Business Specialist will be responsible for managing and servicing our business customers through the digital account opening channel and executing the digital business strategy for the company as it relates to online acquisition standards and goals.

ESSENTIAL FUNCTIONS
Review and decision accounts applied for through the digital channel for all business checking, savings, money market accounts, CD, as well as any future products applied for online by our customers for an approval or decline according to bank standards and risk appetite with the stated SLA.
Understand requirements including full documentation for business accounts – including but not limited to Sole Proprietors, Partnerships, Corporations as well as other entity structures.
Assists and lead customers, prospects, and team members with opening new business accounts online through chat, email and/or telephone.
The Primary Focus will be on the online account opening channel for business checking, savings and money market accounts including:
Managing the day-to-day business account opening experience and making recommendations for improvement through regular meetings with Online Account Manager, Online Account Admin, and Online Account Consumer Supervisor.
Working with the Online Account Manager and Online Account Admin on case management and enhancement requests.
Working with the Online Account Manager and the Online Account Admin, as well as LOB partners on incident management efforts for online business account opening to include customer updates, enhancements, and testing.
Assist the Online Account Manager and Admin to analyze channel applications and performance including but not limited to application volume, new vs existing customers, abandonment rates, etc.
Identify, communicate, and build procedure/policy needed to avoid/reduce business account issues.
Back up the online account consumer team as needed.
Build, monitor, and perform online account business training for LOB partners, including Online Account Consumer team, Digital Support, Customer Care, etc.

Understand and have full knowledge of:
Fraud/security requirements and red flag indications.
Financial services offered by the bank, including features and benefits, rules, regulations, pricing, and a simple definition of each service.
KYC/CIP requirements.
Business ownership and required documentation.

Recommend and facilitate procedure/policy changes to:
Avoid/reduce future new business account issues.
Direct prevention techniques/strategies to avoid/reduce fraudulent business accounts being opened virtually.
Process improvement opportunities for customer experience enhancements and increase business digital utilization.
Tackle multiple projects, aggressive deadlines, competing priorities and a broad stakeholder audience.
Perform root cause analysis, efficient production support, and maintenance/enhancements for existing applications as needed.
Establish and maintain strong partnerships with cross functional teams on key initiatives directly impacting customer experience and/or tools and training opportunities to enhance efficiency and productivity of business digital channels.
Build, execute, analyze, and oversee testing efforts related to enhancements and daily operational duties. Testing may include daily, weekly, or monthly system upgrades and new feature testing.
Represent Online Account Business team in key initiatives to execute digital utilization efforts, training, and educational efforts.
Participate in additional tasks or initiatives that drive soundness, including compliance/legal/risk partnerships, communication opportunities, product, and platform development, etc.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

COMPETENCIES
Proficiency in Windows-based PC skills (Microsoft Office) is required.
Ability to self-manage, multi-task, prioritize and effectively process diverse and workloads concurrently.
Strong decision-making skills. Ability to take calculated risks with a balanced decision-making approach.
Detailed oriented and customer service required.
Qualifications, Education, and Certification Requirements
2-3 years of banking experience.
New Account Opening experience preferred.
Understanding of banking products and services, including consumer and business.
Excellent communication, organizational and teamwork skills are essential.
Experience and intuitiveness in utilizing digital services.

TRAINING REQUIREMENTS/CLASSES
Required annual compliance training; ongoing training as needed/required.

PHYSICAL DEMANDS
This position requires all work utilizing and being in front of a computer screen or multiple screens. Must be able to effectively access and interpret information on computer screens, documents & reports. This can be done sitting or standing with the use of the right desk.

WORK ENVIRONMENT
This position is located remotely and requires a secure home office environment. In addition, customer communication is sometimes verbal as well as team and partner meetings are often on camera, therefore, the environment needs to be free from background noise and distractions. There must be a fast, reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology are delivered.

Travel may be required to come to meetings as needed.