SUMMARY
The Deposit Operations Specialist supports the daily deposit operations functions by ensuring accurate, timely processing and upholding exceptional service standards. This role is responsible for performing key deposit operational tasks and providing support to customers, branch employees, and other departments. The Specialist contributes to maintaining efficient processes, mitigating risk, and providing superior service.
DUTIES AND RESPONSIBILITIES
ESSENTIAL DUTIES
The following tasks are fundamental to the position and necessary for its successful execution:
- Processes incoming and outgoing wires accurately and efficiently, ensuring compliance with banking regulations by verifying customer information, monitoring for suspicious activity, and completing all necessary documentation for each transaction.
- Handles exception items, and performs Remote Deposit Capture file processing.
- Maintains stop payments, conducts basic research on legal processes, and handles document scanning to ensure accuracy and compliance in daily operations.
- Provides internal and external digital banking support by reviewing and processing online account opening applications, as well as verifying and approving mobile deposits.
- Supports branches and internal departments by addressing inquiries, conducting research, and providing timely resolutions and while maintaining high service standards.
- Performs basic research on operational inquiries and resolves issues within established procedures, escalating unfamiliar situations to a Senior Specialist or Lead.
- Handles customer inquiries via phone and email, providing accurate information and directing customers to the appropriate bank personnel to ensure a seamless customer experience.
- May processes daily ACH files for originators on an as needed basis.
- Assists with data collection and preparation of reports for internal tracking, regulatory compliance, and audit reviews.
- Ensures compliance to meet security precautions and protect customer deposits, bank assets and staff.
- Continuously enhances knowledge of regulations through training, webinars, and self-study.
- Consistently exercises sound decision-making skills when addressing inquiries and requests, adhering to existing policies and procedures.
- Follows direction of management to ensure compliance with internal controls, deposit operations policies and procedures.
- Assists with other department functions during staff absences or high workloads.
OTHER DUTIES
- Represents the Bank in community activities, supporting the institution’s goals and values through external engagement.
- Fosters a positive work environment by upholding the Bank’s values and Equal Employment Opportunity (EEO) standards.
- Assists with special projects or tasks as assigned by management.
- Adheres to internal policies and procedures while meeting deadlines.
- Adheres to time lines and accuracy benchmarks for all tasks.
- Demonstrates exceptional customer service and teamwork.
- Maintains confidentiality and upholds ethical standards.
- Participates in training and development programs as required.
- Performs other duties as assigned.
SUPERVISORY RESPONSIBILITY
The Deposit Operations Specialist has no supervisory responsibility.
ENVIRONMENT AND PHYSICAL REQUIREMENTS
The described work environment and physical demands reflect the conditions and requirements necessary for successfully performing the essential functions of this role. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.
- Standard office setting and may move about freely.
- Activities include reading, writing, typing, speaking listening, and occasional lifting (up to 30 pounds).
- Ability to operate typical office equipment such as telephones, computers, and scanners.
MENTAL AND INTERPERSONAL DEMANDS
The incumbent must manage multiple concurrent tasks and interruptions while demonstrating strong problem-solving skills.
Mental demands include:
- Engage in customer interactions requiring active listening and clear communication.
- Communicating verbally and in writing with clarity and professionalism.
- Ability to manage multiple concurrent tasks and interruptions.
- Work collaboratively with team members to achieve shared goals.
MINIMUM REQUIREMENTS
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.
- Associate degree or equivalent from a college or technical school; or 1 year of related experience and/or training in an office environment; or the equivalent combination of education and experience.
- Knowledge of related state and federal banking compliance regulations, Bank operational policies and procedures, and the Bank's products and services.
- Familiarity with regulatory and compliance requirements related to data security and fraud prevention.
- Problem-solving skills, utilizing knowledge of policies and procedures to determine resolution.
- Experience using Microsoft 365 and/or Microsoft Office product suite.
- Organizational skills with the ability to set priorities and meet deadlines.
- Ability to work with minimal or no supervision while performing duties.
- Ability to handle confidential and sensitive information with discretion.
- Strong work ethic that supports a willingness to handle multiple tasks with efficiency and accuracy.
- Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others.
- Ability to handle complex problems involving multiple facets and variables in non-standardized situations.
Job Type: Full-time
Pay: From $17.00 per hour
Benefits:
- Dental insurance
- Employee assistance program
- Flexible spending account
- Health insurance
- Life insurance
- Paid time off
- Retirement plan
- Tuition reimbursement
- Vision insurance
Work Location: In person
