In August of 2014, the ABA announced its new Universal Banker [UB] Certificate, “which is designed to prepare frontline branch staff to serve as the single point of contact for satisfying the diverse needs of walk-in customers.”

“Universal bankers have multifaceted job responsibilities that range from basic transaction processing to product and service sales and referrals.The certificate’s curriculum focuses on key product knowledge, relationship building, customer service, and expert referral skills.” In order to be ABA certified as a UB, a person must complete an eleven course curriculum which requires about 23 hours in total, according to the ABA website.