teller

call center representative

relationship banker

product owner

business systems analyst

Zions Bancorporation

I really enjoy working with the people in my current position. They are some of the most knowledgeable people I've ever had the opportunity to work with. I've had the great fortune to learn UNIX, Weblogic administration, SQL query's, etc here at Zions Bancorporation.

I really enjoy the people that I work with and my job responsibilities. If I decide to move on and leave this company, it will be a hard decision since I do enjoy my co-workers and job so much. But, the opportunity for growth and advancement are limited in this environment. Because of the structure of duties in our environment, we tend to work in silos and don't get the chance to branch out and learn new things. The result of this is there's no smooth transition from my current position into another group/position.

Unfortunately, the management prides themselves in running with a 'lean' staff. This is great in theory, but it is so lean that there isn't enough workers to perform the work that is needed. The constant after-hours troubleshooting and support can burn out most anyone after time.

The benefits and compensation are not as competitive as they should be. The starting salaries are within the average pay range for similar positions in the area, but raises do not occur very often and are only 1-2% increase. Once an employee has experience then they quickly fall below the average pay range for positions in the geographic area.

Also, the medical, dental, vision coverage is sorely lacking. The dental and vision are a reimbursement program. So any dental/vision services have to be paid out-of-pocket and then a request for reimbursement has to be filed to receive up to 50% of that back. The medical benefits are a high-deductible plan. For a single person the out-of-pocket expense is $5000, then your insurance will kick in. For a family it's a $10,000 deductible before insurance will help.

I was so excited for the opportunity to work with Zions, even after the nonexistent embarrassing onboarding process. I was willing to dig and figure out all of the systems you need to operate in my role.
You are passed from one person to the next to get your questions answered. You are left to guess where to go for answers, just to do your job. Your commissions can be docked for performance when submitting a loan application to processing, this is written in comp agreement, but no training is provided for this "Gate Keeper" performance system, nor does manager know or explain how to avoid getting your comp docked, you're once again passed along to someone they "think" can help you.  Once you do get a loan submitted, oh boy, be ready for another unorganized challenge. You will be asked for multiple documents that you've already provided, multiple times. You will have to go back to your borrower/customer multiple times, which makes you and your company incompetent. You will be bogged down and overwhelmed with backend processing/assistant tasks, that is all you will have time to do with the system in place. You will have Limited opportunity to focus on building your business and being productive. It's damage control with your referral partners, customers/clients. If you end up deciding to separate from Zions be prepared to loose out on commissions for loans you worked on to the finish line. Zions is not willing to pay their exiting employees on loans they worked on to the finish line, and it’s not addressed in compensation agreement.  Be cautious about a commission position at this company, they will fight you rather than compensate you on work you’ve done. don’t work a commission position and try to leave, you won't get paid. Sad way of treating employees or people in general. Could be a great place to work for mortgage loan officers, unfortunately I would stay away. Word is already out, this brand cannot close on-time and does not treat customers.

Every morning starting as early as 5 am, The team goes through each account on positive pay and reviews images of checks to verify if non fraudulent or fraudulent checks. Sends report to Treasury Management who then forwards to the commercial account clients that reviews the information. Makes a decision to pay or return checks we have sent for them to review to make final decision. I learned a lot about Official checks and the process it goes through to ensure that the funds are there and that there is enough funding to support the funds and then if the check clears.
I worked with some really great people who had knowledge in all different areas. Which helped as our department had our fingers in a lot of different or "what do we do this" items.
The hardest part about this position was it was not as consistent as it could have been. Training was also another issue. There is no real training. We had a manager that was new to the department and couldn't helps us in a lot of areas so we didn't know where to turn to for help. Plus they worked from home a lot and when things got heated we had no manager to offer when they asked for one. However we did our best to handle the issue and researched our selves to find answers and managed as best as we could.
Most enjoyable was when we started to format our daily tasks and able to finish on time or even early by making a few adjustments here or there to help better improve our proficiency. Also documenting how things are processed so when and if we had a new hire there was updated and current documentation. To improve on the lack of training.
Over all I really enjoyed that job and was on a career path to manager. Unfortunately I moved out of stated and that was that.

The people were great and I had friends there. I had a few stinker managers but most of my bosses were very good. However; once you are hired on at a lower salary you will not see it rise very much or very frequently. And after awhile the new hires with less experience will be hired on at more than the senior people make with no hope of the long term employees ever getting decent raises.  Over the years trainings and opportunity to learn new skills pretty much evaporated and your expected to learn new skills by yourself and not on the companies dime. 
Top management keeps switching around and every time a new VP or COO gets in they completely "reorganize" their divisions. In 7 years I had more upper managers than I can remember and was moved to different building more then 5 times. This constant shift in organization means a lot of the overall vision or strategy gets lost in the cracks and as soon as you start moving the ship towards one set of goals a new boss is coming in and all that will be flushed down the toilet to work on the new COO's goals and vision. 401k is good but the health benefits are awful and keep getting worse and worse; even for a high deductible plan the monthly premiums are ridiculous and the company does not contribute to HSA's at all. We used to have holiday parties or dinners at least and measly $100 xmas bonus but those all got phased out for cost savings - even though the bank is highly profitable.

A typical day at work was to make sure that the images were matched to the backup documents(EOB's) for all Wholesale, Retail and Medical accounts. I assisted with also matching all batches to the Medical, Wholesale and Retail accounts so that the flow of work was constantly moving while my co-worker was at lunch, break or whenever needed. Taking work down that had been packaged for mailing out to the clients. Picking up work in various departments to get processed.

I was requested to help quite frequently downstairs in the department that did the prepping of separating the checks and the documents making the batches before the checks were scanned.

I learned to work as a team member to do whatever it took to get the job done. I learned how to express myself with training new employee's that came to the department.

I was able to get along with management by doing my work fast and efficient.

I was able to get along with my co-workers and leads. I enjoyed the combination of personalities and diverse ethic backgrounds.

The hardest part of the job was when we had a shortage of employees due to being out. This was a productive enviorment and needed everyone to be there during the day.

The most enjoyable part was the working as a team member and getting the job done.

We have to keep on task from the moment we walk in the door to deadline. Mail is to be sorted into its correct customer bins for all 3 mail runs received by courier. After it is sorted work is then prepped according to special customer instructions and required scanning format. After work has been prepped it is given to the scanner. Scanner then takes work and runs through an OPEX scanning machine and is quality checked, processed and received by server which then sends the file to the central HUB in Houston TX. Once at the HUB it is keyed or rejected and processed into clients account. If a problem occurs email to research is sent and we correct by either pulling item and amount guarantee and ready for next day to be processed again or pulled entirely and sent back to client.
  Everything received for the day checks and correspondence must be finished scanning and sent to HUB by 11:30 am for final processing and client to receive deposit by 3 O'clock deposit run. There are two sides to Lockbox. The Wholesale side that receives more clients less dollar volume and Retail that receives high volume and dollar volume. Retail has various deadlines for there many clients and deposits must be ready for mail out on time.

Positive:
-  Good culture and work environment in 3 departments I have worked at, except for a few toxic managers here and there.
- Compensation comparable to other large banks. 
- Company tries to communicate all important policies and decisions.

Challenges (common to most large companies):
- Decision that are supposed to save company money, in practice lead to higher error rate, more friction between departments, and unhappier customers, because they are made by higher level managers who don't understand the consequences (e.g. transferring loan operation from affiliates to bancorp, dissolving and creating departments, adopting new software, outsourcing).
- Too many meetings with little to no benefit to productivity.
- Lack of power for lower level managers to make helpful changes because of the company's tall organizational structure.
- A lot of managers' resistance to new ideas and change.
- Company has been making genuine effort to help employees grow but it's not successful because it is based on incorrect understanding of what makes a good manager.
- Technology problems such as software issues and getting needed access.
- Back-to-office mandate has led to many employees very unhappy or leaving, without any seemingly positive results for company productivity.

Zions has lots of old, obsolete technologies (think IBM Middleware) that you have to fight with. Work is boring - don't expect to learn/use "hot" skills.

Not friendly to software engineering and IT in general. Your laptop is "locked down" tight - meaning you have to ask permission to install almost anything - for an engineer this is inefficient as you wait hours/days to install something while waiting for permission. You have to request firewall access to the very endpoints that your are working on. This can take days or even weeks - all the while you are expected to deliver on time. Many websites are blocked, including ones needed for your job.

Management forces heavy, inefficient waterfall processes on engineers without engaging engineering input. There is lots of red tape; lots of status meetings, reviews, etc. Scrum masters control everything. Engineers input isn't valued much. The inefficient processes lead to slow progress, and missed deadlines which leads to finger-pointing, blame, etc. and even occasional toxicity.

Health care is VERY expensive, although salary is a bit better than other employers nearby. Good PTO - for engineers, you get 20 days a year (after 3 months of waiting when you start), 12 sick days, and 10 holidays.

The work like balance is bare minimum, you’re to give your all to them and they don’t listed to the needs of the people on the front line dealing with hostile customers due to their system issues and banking issues. Management from the top to whoever your supervisor is depending on who, is bare minimum help on listening to their employees and doing what they can to help if a problem arises. It’s a lot of passive aggressiveness. I had two supervisors just like that and their boss was even worse, just passive no upfront beat around the bush a lot. They have slippery slopes on what they allow like attendance and adherence I got let go due to being on a WRITTEN for adherence, but since they’re at will they can fire you whenever they like. Their policy on OT is silly it’s voluntary until you’re voluntold which makes no sense they force you to work OT if THEY can’t get enough people. The higher you go up in skill set the harder it is to be flexible with your schedule. Your VTO isn’t earned it’s given and if you get fired they take what you used, they took away earned sick time.

Zion’s can be a great company to work for.. but there’s room for improvement. A lot of the times you make a lateral move when going to other positions or they “ask you” to move to other positions. Policy and procedures are constantly changing giving employees no time to train or adjust it’s just a learn as you go process. Your salary will not be changed until merit evaluation and even then they only have 1% to divide between a team of 5-6 people. Workload is unorganized and constantly being added, making employees feel under appreciated and overworked. Communication lacks severely between teams resulting in high frustrations and chaotic turn arounds to get daily work completed. Management is also very frustrating. My specific team manager was very rarely reachable due to constant meetings so help was hard to get if others didn’t have an answer. When asking for assistance it was not provided or bare minimum was done with no relief at all. Management sometimes could not answer specific job role questions when these items should be known by management. This job got very frustrating towards the end.

Top Job Titles	Average Salary
Teller 200 salaries reported	$17.81 per hour
Call center representative 3 salaries reported	$17.00 per hour
Relationship banker 60 salaries reported	$22.39 per hour
Product owner 6 salaries reported	$115,312 per year
Business systems analyst 1 salary reported	$67,500 per year

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