A day in the life of a branch banker
Follow Mark from opening to closing through six moments that shape a banker's day, and see what changes with Assisted Banking behind the counter.
Opening the branch
Before the first customer walks in, Mark is already juggling logins.
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Donec nec justo eget felis facilisis fermentum. Aliquam porttitor mauris sit amet orci. Aenean dignissim pellentesque felis:
- Lorem ipsum dolor sit amet, consectetuer adipiscing elit.
- Aliquam tincidunt mauris eu risus.
- Vestibulum auctor dapibus neque.
Morbi in sem quis dui placerat ornare. Pellentesque odio nisi euismod in pharetra a ultricies in diam. Sed arcu. Cras consequat.
A stack of systems before the doors open.
Teller platform, core banking, check imaging, fraud tools and cash management, each with its own screen and password.
One workspace to start the day.
Transactions, customer information, imaging and workflow tools are all in a single interface.
Handling a Complex Customer Request
A customer needs a transaction Mark doesn't do every day.
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Donec nec justo eget felis facilisis fermentum. Aliquam porttitor mauris sit amet orci. Aenean dignissim pellentesque felis:
- Lorem ipsum dolor sit amet, consectetuer adipiscing elit.
- Aliquam tincidunt mauris eu risus.
- Vestibulum auctor dapibus neque.
Morbi in sem quis dui placerat ornare. Pellentesque odio nisi euismod in pharetra a ultricies in diam. Sed arcu. Cras consequat.
Searching, calling, guessing.
Mark digs through procedures, calls a supervisor and tries to remember the compliance steps while the customer waits.
Guided from first step to last.
The workflow shows the required steps, compliance reminders, documents needed and the recommended next action.
The lunch rush
Lines grow, staffing is tight and transaction volume spikes.
Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Donec odio. Quisque volutpat mattis eros. Nullam malesuada erat ut turpis. Suspendisse urna nibh viverra non semper suscipit posuere a pede.
Donec nec justo eget felis facilisis fermentum. Aliquam porttitor mauris sit amet orci. Aenean dignissim pellentesque felis:
- Lorem ipsum dolor sit amet, consectetuer adipiscing elit.
- Aliquam tincidunt mauris eu risus.
- Vestibulum auctor dapibus neque.
Morbi in sem quis dui placerat ornare. Pellentesque odio nisi euismod in pharetra a ultricies in diam. Sed arcu. Cras consequat.
Longer lines, same hands.
Tellers process each transaction by hand and switch between systems as the queue builds.
More customers, same team.
Workflow automation and integrated cash handling speed up every transaction, and customers with simple needs use self-service and ITMs.
Check deposit and fraud review
Does this deposit need a closer look?
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Donec nec justo eget felis facilisis fermentum. Aliquam porttitor mauris sit amet orci. Aenean dignissim pellentesque felis:
- Lorem ipsum dolor sit amet, consectetuer adipiscing elit.
- Aliquam tincidunt mauris eu risus.
- Vestibulum auctor dapibus neque.
Morbi in sem quis dui placerat ornare. Pellentesque odio nisi euismod in pharetra a ultricies in diam. Sed arcu. Cras consequat.
Review it by hand, or wait.
Mark checks deposits manually or waits on a back-office process.
Only the exceptions reach Mark.
Deposit Risk Review checks every deposit against fraud and risk rules and flags only the ones that need attention.
Referral and handoff
The customer needs help beyond Mark's role, like opening an account or talking about a loan.
Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Donec odio. Quisque volutpat mattis eros. Nullam malesuada erat ut turpis. Suspendisse urna nibh viverra non semper suscipit posuere a pede.
Donec nec justo eget felis facilisis fermentum. Aliquam porttitor mauris sit amet orci. Aenean dignissim pellentesque felis:
- Lorem ipsum dolor sit amet, consectetuer adipiscing elit.
- Aliquam tincidunt mauris eu risus.
- Vestibulum auctor dapibus neque.
Morbi in sem quis dui placerat ornare. Pellentesque odio nisi euismod in pharetra a ultricies in diam. Sed arcu. Cras consequat.
Back to square one.
Teller platform, core banking, check imaging, fraud tools and cash management, each with its own screen and password.
The context goes with the customer.
Notes, documents and history move to the next banker, who sees an unfinished loan application and offers to finish it on the spot.
End-of-day balancing
The branch closes, but the work doesn't.
Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Donec odio. Quisque volutpat mattis eros. Nullam malesuada erat ut turpis. Suspendisse urna nibh viverra non semper suscipit posuere a pede.
Donec nec justo eget felis facilisis fermentum. Aliquam porttitor mauris sit amet orci. Aenean dignissim pellentesque felis:
- Lorem ipsum dolor sit amet, consectetuer adipiscing elit.
- Aliquam tincidunt mauris eu risus.
- Vestibulum auctor dapibus neque.
Morbi in sem quis dui placerat ornare. Pellentesque odio nisi euismod in pharetra a ultricies in diam. Sed arcu. Cras consequat.
Reconciling by hand.
Tellers match cash and transactions manually, and discrepancies cause delays.
Balanced and done.
Automated balancing and integrated transaction records simplify closing.
A banker’s day simplified
How Candescent consolidated fragmented architectures into an inuitive, high-velocity operational suite.
Start faster
One workspace instead of multiple systems.
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Serve smarter
Guided workflows and compliance support.
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Handle more volume
Automation and self-service reduce bottlenecks.
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Reduce Risk
Built-in fraud detection and deposit review.
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Close Easier
Automated balancing and reconciliation.
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“Candescent isn’t just a vendor to us—they’re a true partner. They understand where we’re trying to go, they challenge us to think differently, and they stay engaged well beyond implementation. That partnership has been critical to sustaining momentum and continuing to improve the experience.”
Give your bankers a better day
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