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One of the most prominent trends in retail banking today is the shift toward branch employees who are jacks of all trades. With an eye toward cutting costs and improving efficiency, more and more banks are asking their staff to perform a wider range of tasks, including making sales calls, rather than specializing as tellers or personal bankers. What follow are tips on how to move to the so-called universal staffing model from people who've been through the process. (Image: Thinkstock)

Related: Reinventing the Branch Employee: A How-To Guide