<h3>Job Description</h3>
Job DescriptionSalary: $18 Hourly 
Join the American Bank team! We are a small, privately-owned community bank that delivers high-quality experiences tailored to each individual and business. We empower our employees to work in the best interest of customers, give back to their communities, and maintain a healthy work-life balance. We also like to have fun.
 
Please Consider Applying Through This Link:<a href="https://americanbankmontana.bamboohr.com/jobs/" target="_blank">https://americanbankmontana.bamboohr.com/jobs/</a>
 
Reports to:Assistant Branch Manager
FLSA Status: Full Time, Non-exempt (Hourly)
Job Summary:The teller is a critical forward-facing role that must have excellent customer service skills, accurate mathematic arithmetic, and the ability to present themselves professionally. Tellers are often the first interaction a customer has with American Bank, and through a positive caring attitude long-term relationships between customers and the bank can form and possibly flourish. Tellers handle many different retail processes such as deposits or withdrawals and must be able to learn new technology systems that aid efficiency and accuracy.
Benefits:
<ul>
<li>Comprehensive Health Insurance (Medical, Dental, Vision)</li>
<li>Company-Sponsored and Voluntary supplemental insurance options (Life, Disability, Accident, &amp; more)</li>
<li>401k (5% match!)</li>
<li>Paid Time Off + 11 Paid Banking Holidays + Paid Volunteer Time Off</li>
<li>Paid On-the-Job Training!</li>
<li>Evenings and Weekends off.</li>
<li>Continuing education and development opportunities.</li>
<li>Work alongside coworkers who are dedicated to building strong relationships and investing in the neighborhoods we proudly serve.</li>
<li>Discounted banking products, and numerous other employee benefits!</li>
</ul>

Primary Responsibilities:
The primary responsibility of the Teller is to provide courteous, professional, quality service to customers of American Bank through both the lobby and drive-up customer service stations. The primary duties of the Teller are to:
<ul>
<li>Represent American Bank to the customer in a courteous, professional manner.</li>
<li>Provide prompt, efficient and accurate service in processing transactions.</li>
<li>Answer phone calls promptly, delivering exceptional customer service by addressing inquiries, resolving issues, and ensuring a positive customer caller experience. </li>
<li>Receive checks and cash for deposit to savings and checking accounts, verify deposit amounts, examine checks for endorsement and negotiability, and enter transactions into bank records via an on-line teller terminal</li>
<li>Cash checks and pay money from savings and checking accounts upon verification of signatures and customer account balances. Inspect all checks, bonds, money orders, savings withdrawals, etc. to determine their negotiability.</li>
<li>Accept loan payments of all types ensuring that payments equal the amount due and that all late charges, if applicable, are collected.</li>
<li>Sell bank products for fee income. Some examples include:
<ul>
<li>Money Orders</li>
<li>Statement Copies</li>
<li>Cashier Checks</li>
<li>Photocopies</li>
<li>Stop Payments</li>
<li>Gift Cards</li>
</ul>
</li>
<li>Redeem cash items for deposit or cash, such as Savings Bonds.</li>
<li>Promote bank services and cross-sell bank products.</li>
<li>Provide information for customers regarding accounts and products upon proper verification.</li>
<li>Balance cash and negotiable items.</li>
<li>Satisfactorily complete all required compliance bank training and comply with all regulations which apply within the scope of the position.</li>
</ul>
Secondary Responsibilities:
Other duties or responsibilities that may be assigned to the Teller are:
<ul>
<li>Combination and/or key control.</li>
<li>Opening and processing night depository, ATM and/or cash dispensers.</li>
<li>Control of negotiable instruments.</li>
<li>Internal audit of cash and negotiable instruments.</li>
<li>Perform other duties and responsibilities as directed.</li>
</ul>
Working Conditions:
<ul>
<li>Physical requirements include standing for long periods when providing customer service, sitting, walking and must be able to lift and carry 30 lbs. waist high and 20 lbs. shoulder high.</li>
<li>Work environment is indoors in a clean atmosphere with normal noise levels.</li>
<li>Ability to work under pressure is required.</li>
<li>Exposed to a potentially hazardous condition - robbery. Receives detailed instructions and procedures to be followed to minimize the risk.</li>
</ul>
The above statements are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified.

Bank Teller

<h3>Job Description</h3>
Job Description
Job Title: Remote Bank Teller
Hourly Pay: $18 - $22/hour
Summary: 
We are looking for an organized and customer-focused Bank Teller to join our work from home team. In this role, you will provide excellent customer service, process transactions, and help clients with their banking needs. If you are detail-oriented, have strong communication skills, and enjoy assisting others, this is a great opportunity for you.
Job Responsibilities
 
<ul>
<li>Process customer deposits, withdrawals, and other financial transactions accurately</li>
<li>Verify customer identification and ensure all transactions comply with banking regulations</li>
<li>Answer customer inquiries regarding account balances, transactions, and general banking services</li>
<li>Assist customers with setting up accounts, transferring funds, and managing other banking needs</li>
<li>
Maintain accurate records of all transactions and manage cash flow
</li>
<li>Resolve customer issues in a professional and courteous manner, escalating when necessary</li>
<li>Stay informed about new banking products, services, and promotions to better serve customers</li>
</ul>
Qualifications
 
<ul>
<li>
Previous experience in a customer service or banking role preferred
</li>
<li>Strong attention to detail and accuracy in handling financial transactions</li>
<li>Excellent communication and problem-solving skills</li>
<li>Ability to work independently and manage tasks efficiently in a remote environment</li>
<li>
Proficient in using banking software and digital tools
</li>
<li>Must have reliable internet and a quiet, dedicated workspace</li>
</ul>
 
Perks &amp; Benefits
 
<ul>
<li>
100% remote work flexibility
</li>
<li>
Competitive hourly pay: $18 - $22
</li>
<li>
Paid training and ongoing development opportunities
</li>
<li>
Flexible working hours, including options for evenings and weekends
</li>
<li>
Career advancement opportunities within banking
</li>
<li>
A supportive and collaborative team culture
</li>
</ul>

<h3>Job Description</h3>
Job Description
Join a Purpose-Driven Team at Heritage Financial Credit Union Where Integrity, Excellence, Teamwork, and Community Matter!
Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive. We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed. Our values are at the heart of everything we do. We believe in:
· Integrity: We are honest and trustworthy in all of our dealings with our members, employees, and the community.
· Excellence: We strive to provide our members with the best possible service.
· Teamwork: We believe that we can achieve more together than we can alone.
· Respect: We treat each other with dignity and respect.
· Community: We are committed to giving back to the communities we serve.
If you are looking for a challenging and rewarding career in the financial services industry with a company that is committed to its mission, vision and values, we encourage you to apply for a position at Heritage Financial Credit Union. Here you will find a supportive and collaborative work environment where you can make a difference in the lives of our members and our community. We offer a competitive salary, comprehensive employee benefits package, including a very generous PTO policy.
Salary Description $17.00 per hour plus incentive
POSITION PURPOSE
As a Teller with Heritage Financial, your main focus will be to provide outstanding service to our membership base. This includes assisting members with deposits, withdrawals, loan payments and more. You would act as a relationship manager to our members to help discover and identify their financial needs and refer products and services that can help them reach their goals. You take pride in your branch, making sure that your work station is clean, stocked and ready for any member interaction.
ESSENTIAL FUNCTIONS AND BASIC DUTIES
Provide outstanding member service by accurately processing member transactions and actively promoting products and services. Transactions include deposits, withdrawals, loan payments, transfers, check cashing, traveler’s checks, money orders, placing check holds, assuring proper identification &amp; endorsements, balance and maintain cash drawer, etc. Perform responsibilities of position in accordance with federal and state regulations, credit union policies and procedures. Represent the Credit Union in a courteous and professional manner. Cross-sell credit union products and services. Process mail and night depository transactions. Create new member packets as needed. Ensure that teller station is properly stocked with forms, supplies etc. Perform member service responsibilities; answering questions and requests, researching and resolving member issues, etc. Assist Branch Supervisor/Branch Manager as necessary in balancing and maintaining ATMs and vault, training new employees, opening/closing procedures, etc. Recommend changes, workflow, efficiencies and quality. Meets or exceeds goals as outlined. Performs additional duties as assigned.
PERFORMANCE MEASUREMENTS
Performance is measured against the core competencies as outlined by the position and against goals established by the supervisor.
QUALIFICATIONS:
EDUCATION/CERTIFICATION: High School Diploma or GED plus two years customer service and cashier experience; or a comparable combination of education and experience.
EXPERIENCE REQUIRED: Experience using P.C. based software including Microsoft Office.
SKILLS/ABILITIES: Ability to project a professional appearance and positive attitude at all times. Excellent customer service and communication skills.

<h3>Job Description</h3>
Job Description
Description
To provide members and prospective members the full range of products and services offered by the client including depository accounts such as checking, savings, certificate IRA, revocable trust and estate accounts; Lending products; and credit/debit cards. To perform moderately complex platform banking functions under supervision. Provide assistance/training to lower level team members.
Responsibilities
• Analyze, research and resolve problems and discrepancies related to member accounts/loans
• Assist members with submitting consumer/mortgage/equity loan, overdraft protection and credit card applications
• Counsel current and prospective members about company products and services
• Ensure cash and other negotiable instruments are handled properly
• Identify opportunities to cross service products and increase product penetration
• Perform platform banking functions
• Assist level I team members
• Understand and comply with federal and other regulations relating to financial products and services
• May assist with Branch Office vault opening, closing and balancing procedures
• May serve as a Branch Office and/or ATM vault custodian
• Perform other duties as assigned
Pay and Benefits
The pay range for this position is $18.00 - $20.00/hr.
Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following: • Medical, dental &amp; vision • Critical Illness, Accident, and Hospital • 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available • Life Insurance (Voluntary Life &amp; AD&amp;D for the employee and dependents) • Short and long-term disability • Health Spending Account (HSA) • Transportation benefits • Employee Assistance Program • Time Off/Leave (PTO, Vacation or Sick Leave)
Workplace Type
This is a fully onsite position in Cleveland,OH.
Application Deadline
This position is anticipated to close on May 2, 2025.
About TEKsystems:
We're partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We are a team of 80,000 strong, working with over 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia. As an industry leader in Full-Stack Technology Services, Talent Services, and real-world application, we work with progressive leaders to drive change. That's the power of true partnership. TEKsystems is an Allegis Group company. 
The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

<h3>Job Description</h3>
Job Description
Description
To provide members and prospective members the full range of products and services offered by the client including depository accounts such as checking, savings, certificate IRA, revocable trust and estate accounts; Lending products; and credit/debit cards. To perform moderately complex platform banking functions under supervision. Provide assistance/training to lower level team members.
Responsibilities
• Analyze, research and resolve problems and discrepancies related to member accounts/loans
• Assist members with submitting consumer/mortgage/equity loan, overdraft protection and credit card applications
• Counsel current and prospective members about company products and services
• Ensure cash and other negotiable instruments are handled properly
• Identify opportunities to cross service products and increase product penetration
• Perform platform banking functions
• Assist level I team members
• Understand and comply with federal and other regulations relating to financial products and services
• May assist with Branch Office vault opening, closing and balancing procedures
• May serve as a Branch Office and/or ATM vault custodian
• Perform other duties as assigned
Pay and Benefits
The pay range for this position is $19.00 - $21.00/hr.
Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following: • Medical, dental &amp; vision • Critical Illness, Accident, and Hospital • 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available • Life Insurance (Voluntary Life &amp; AD&amp;D for the employee and dependents) • Short and long-term disability • Health Spending Account (HSA) • Transportation benefits • Employee Assistance Program • Time Off/Leave (PTO, Vacation or Sick Leave)
Workplace Type
This is a fully onsite position in Aurora,CO.
Application Deadline
This position is anticipated to close on May 2, 2025.
About TEKsystems:
We're partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We are a team of 80,000 strong, working with over 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia. As an industry leader in Full-Stack Technology Services, Talent Services, and real-world application, we work with progressive leaders to drive change. That's the power of true partnership. TEKsystems is an Allegis Group company. 
The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

<h3>Job Description</h3>
Job DescriptionHealth Benefits and 401k! This Jobot Consulting Job is hosted by: Jennifer Whitworth Are you a fit? Easy Apply now by clicking the "Apply Now" buttonand sending us your resume. Salary: $20 - $25 per hour 
A bit about us:
 Join one of California’s best specialty banks, focusing on local businesses and the surrounding communities! Job Title: Bank Teller Salary: $20 - $25/hour Location: San Luis Obispo, CA 
Why join us?
 
<ul>
<li> Health benefits</li>
<li> 401(k)</li>
<li> Weekly pay</li>
</ul>
 
Job Details
 We are seeking a Teller for a well-known bank in the San Luis Obispo area! Responsibilities: 
<ul>
<li> Process customer deposits, withdrawals, and loan payments</li>
<li> Answer questions regarding checking, savings, and other bank-related services</li>
<li> Maintain customer confidentiality</li>
<li> Issue cashier checks, money orders, and currency orders</li>
<li> Maintain accurate details of each transaction</li>
<li> Balance register drawer</li>
<li> Record transactions, log checks, and prepare transaction reports</li>
<li> Count and package currency</li>
<li> Reconcile cash drawers</li>
<li> Open new accounts and assist with loan applications</li>
<li> Exchange foreign currency</li>
<li> Promote the bank’s products and services, such as checking and savings accounts, loans, certificates of deposit (CDs), and credit cards</li>
</ul>
 Qualifications: 
<ul>
<li> Strong attention to detail and problem-solving skills</li>
<li> Excellent communication and customer service skills</li>
<li> Ability to handle cash transactions accurately</li>
<li> Previous banking or customer service experience preferred</li>
<li> Ability to pass a pre-employment background check</li>
</ul>
 If this sounds like a great fit, apply online or send your resume directly to <a href="https://jobot.com/apply/bank-teller/914278907?utm_source=ZipRecruiter" target="_blank">https://jobot.com/apply/bank-teller/914278907?utm_source=ZipRecruiter</a> Interested in hearing more? Easy Apply now by clicking the "Apply Now" button. Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws. Sometimes Jobot is required to perform background checks with your authorization. Jobot will consider qualified candidates with criminal histories in a manner consistent with any applicable federal, state, or local law regarding criminal backgrounds, including but not limited to the Los Angeles Fair Chance Initiative for Hiring and the San Francisco Fair Chance Ordinance.

<h3>Job Description</h3>
Job Description
Bank Teller
Chandler, AZ 85226
Schedule Availability:
Mon- Fri: 8:30am-6:30pm, Saturdays 8:30am-2:30pm
Pay:&nbsp;$17-$19/hr
6 Month Contract (potential for permanent hire)
Description
To provide members and prospective members the full range of products and services offered by the client including depository accounts such as checking, savings, certificate IRA, revocable trust and estate accounts; Lending products; and credit/debit cards.
Skills
Customer service team, cash handling, Customer service skills, Account management, Administration, Customer service oriented, Sales, Retail sales, Customer service, Banking, Data entry, Finance, Microsoft office
Additional Skills &amp; Qualifications
Positive attitude, enjoys working in a team environment, reliable, good time management, seeking career/full time employment
#eastpriority25
Pay and Benefits
The pay range for this position is $17.00 - $19.00/hr.
Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following: • Medical, dental &amp; vision • Critical Illness, Accident, and Hospital • 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available • Life Insurance (Voluntary Life &amp; AD&amp;D for the employee and dependents) • Short and long-term disability • Health Spending Account (HSA) • Transportation benefits • Employee Assistance Program • Time Off/Leave (PTO, Vacation or Sick Leave)
Workplace Type
This is a fully onsite position in Chandler,AZ.
Application Deadline
This position is anticipated to close on Apr 30, 2025.
About TEKsystems:
We're partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We are a team of 80,000 strong, working with over 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia. As an industry leader in Full-Stack Technology Services, Talent Services, and real-world application, we work with progressive leaders to drive change. That's the power of true partnership. TEKsystems is an Allegis Group company. 
The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

<h3>Job Description</h3>
Job Description
Career Opportunity – Bank Teller with Farmers and Merchants Bank in Dayton, OH&nbsp;
Do you have an interest in banking? Do you have a passion for customer service? Would you like to turn that passion into a career? If you answered yes, we want to speak with you!&nbsp;&nbsp;&nbsp;
As a Teller, you will be responsible for efficiently processing a variety of customer transactions while providing the highest level of service and identifying bank products and services that may be beneficial. You will help build and maintain strong customer relationships. Additionally, you will:&nbsp;
<ul>
<li>Greet customers and facilitate a welcoming and customer-focused environment.&nbsp;</li>
<li>Process customer transactions efficiently and accurately in a fast-paced environment while maintaining a balanced cash drawer and adhering to internal controls and procedures.&nbsp;</li>
<li>Generate new business and expand relationships with current customers by cross-selling bank products and services.&nbsp;</li>
<li>Build customer loyalty by developing relationships and offering exceptional customer service.&nbsp;</li>
<li>Respond to customer inquiries and concerns by researching and identifying positive solutions or referring to appropriate staff/department for resolution.&nbsp;</li>
<li>Remove deposits, count, and balance cash within the automated teller machines/night depository. &nbsp;</li>
<li>Prepare Currency Transaction Reports and other reports required by law or regulation.&nbsp;</li>
<li>Balance cash drawer daily.&nbsp;</li>
<li>Place holds on accounts for uncollected funds.&nbsp;</li>
</ul>
Qualified candidates should be a strong financial leader with solid business acumen, and have:&nbsp;
<ul>
<li>High School Diploma or equivalent GED required (exception for high school branch teller).&nbsp;</li>
<li>Entry-level experience with excellent customer service skills required, minimum of 1-2 years of previous Teller experience, preferred.&nbsp;</li>
<li>Ability to successfully complete a pre-employment background check and have satisfactory credit history.&nbsp;</li>
<li>Excellent oral/written communication skills.</li>
<li>Excellent customer relations skills.&nbsp;</li>
</ul>
Farmers and Merchants Bank is growing in the South Dayton area. We are your hometown bank and our philosophy is to provide basic banking services in a friendly and courteous manner to the residents and small businesses of Southwest Dayton. This philosophy remains the same 90 plus years later.&nbsp;&nbsp;
If you are ready for a new challenge and meet the qualifications outlined above, apply today!&nbsp;
Employer is EOE/AA/M/F/D/V. &nbsp;
Company DescriptionFarmers and Merchants Bank is growing in the South Dayton area. We are your hometown bank and our philosophy is to provide basic banking services in a friendly and courteous manner to the residents and small business of Southwest Dayton. This philosophy remains the same 90 plus years later. 
<h3>Company Description</h3>
Farmers and Merchants Bank is growing in the South Dayton area. We are your hometown bank and our philosophy is to provide basic banking services in a friendly and courteous manner to the residents and small business of Southwest Dayton. This philosophy remains the same 90 plus years later.

<h3>Job Description</h3>
Job Description
We are a professional staffing firm, working with organizations across the country to place exceptional candidates. Currently, we have a Bank Teller opportunity with a well-established bank known for its strong focus on community banking and its commitment to fostering local economic growth. This company offers opportunities for career development in a dynamic, customer-centric environment. Why You’ll Want to Work Here:
<ul>
<li>Career Growth: Work for a reputable bank that prioritizes professional development and internal promotions.</li>
<li>Supportive Environment: Be part of a team-oriented workplace with a strong customer-centric culture.</li>
<li>Stability &amp; Benefits: Enjoy competitive pay, comprehensive benefits, and job security in a well-established financial institution.</li>
</ul>
Your specific duties will include:
<ul>
<li>Assisting customer inquiries and requests regarding current accounts.</li>
<li>Handling all types of branch customer transactions, including deposits, withdrawals, check cashing, transfers, issuing bank checks, loan advances and payments, cash advances, and processing savings bonds.</li>
<li>Processing new account transactions and cross-selling the bank's products and services to meet or exceed branch goals.</li>
<li>Responding to customer inquiries, resolving issues, and identifying cross-sales opportunities.</li>
<li>Educating customers on alternative banking channels and digital services.</li>
<li>Performing daily check scanning, vault and ATM settlement, night drop deposits, and assisting with branch opening/closing procedures.</li>
<li>Multitasking among various job roles to address service or transaction needs efficiently.</li>
</ul>
Specific qualifications for the position include:
<ul>
<li>Minimum 1 year of experience working as a Bank Teller.</li>
<li>High school diploma or equivalent.</li>
<li>Strong customer service focus with excellent communication skills.</li>
</ul>
Pay Rate Range: $20.00 - $21.29 per hour Compensation may vary outside of this range depending on a number of factors, including a candidate’s qualifications, skills, competencies, experience, and location. Employees have access to healthcare benefits, including medical, dental, and vision, as well as a 401(k) plan. Compensation may vary outside of this range depending on a number of factors, including a candidate’s qualifications, skills, competencies and experience, and location. Employees have access to healthcare benefits including medical, dental, and vision as well as a 401(k) plan. Let one of our recruiters assist you in finding and preparing for interviews with our clients. Whether you are interested in a direct hire, temp-to-hire, or temporary position, Workway can help you put your best foot forward. Contact us today! Workway, Inc. is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender, gender identity, national origin, disability, protected veteran status, or any other characteristic protected by applicable laws, regulations, and ordinances. For our complete EEO &amp; Pay Transparency statement, please visit <a href="http://www.workway.com/EEO" target="_blank">http://www.workway.com/EEO</a>. To receive state and federal compliance posters, e-mail&nbsp;<a href="mailto:hr@workway.com" target="_blank">hr@workway.com</a> or call 972.514.1515.
Company DescriptionWorkway BancForce is a premier national staffing firm that places qualified job-seeking candidates across the nation in direct hire, temp-to-hire, and temporary positions across a variety of specialized fields. We pride ourselves in offering a candidate-centric model to assist job seekers in finding their next career opportunity. 
<h3>Company Description</h3>
Workway BancForce is a premier national staffing firm that places qualified job-seeking candidates across the nation in direct hire, temp-to-hire, and temporary positions across a variety of specialized fields. We pride ourselves in offering a candidate-centric model to assist job seekers in finding their next career opportunity.

1,233 bank-teller Jobs