Deposit Operations Specialist

Reliant Bank - Franklin, TN3.9

Reliant Bank is a full-service commercial bank that provides customer service from its website, mobile app, via telephone and from 17 retail locations in Davidson, Hamilton, Hickman, Maury, Robertson, Rutherford, Sumner, and Williamson Counties in Tennessee. Reliant offers a variety of deposit, lending, and mortgage products and services to business and retail customers. The bank’s vision is to be the best financial institution at building and being a part of the communities served, one customer at a time. The company intends to continue building the Reliant brand across its markets and remains committed to building long-term value for its shareholders. We are currently seeking an Operations Specialist in Franklin, TN. This presents an excellent opportunity for a motivated professional to work in a challenging and rewarding environment. This non-exempt position reports to the Deposit Operations Manager.


Performs various functions within the Deposit Operations and provides operational support to various areas of the Bank.


The following duties are performed as scheduled in department rotation:

Trouble shoots various account issues for internal and external customers
Reviews Positive Pay system and returns any transaction that has not been approved by customer
Reviews exception items daily including non-posts and NSFs
Places, edits, and removes Holds for retail branches and commercial banking
Orders foreign currency for retail branches as requested
Prepares courier bags for pickup, distributes incoming mail to the appropriate employee bins, and prepares outgoing mail
Reconciles general ledger balancing report daily; and EFT and other general ledger accounts as needed
Trains Retail and Operations personnel on how to use WireXchange and trains new hires on deposit operations overview
Reviews and approves ACH originations and chargebacks, and provides general ACH originator support
Processes reclamations, NSFs, stop payments, non-posts (ACH and check), and incoming and outgoing wire transfers
Processes Fedline Advantage entries such as ACH returns and check adjustments
Conducts research on statements and processes refund requests on fees, service charges and overdrafts as needed
Performs account maintenance as needed
Monitors Reg D report and mails notices to customers as needed
Monitors ONUS unidentified images report and makes corrections as needed
Processes CD interest checks weekly and mails checks and notices
Supports Retail Online Banking, Business Online Banking, Bill Pay and Mobiliti
Supports debit cards (adding additional embossed lines, Risk Review, Foreign Lifts, Enfact Lifts, etc.)
Mails Transaction Content Management notices for customer account adjustments
Reconciles official check reconciliation report
Balances internal demand deposit accounts (EOM Balancing)
Completes requests for verification of deposits as needed
Processes demand deposit account charge offs, send notices, reports to ChexSystems, and posts collections payments to appropriate general ledger account(s)
Handles Federal Reserve Bank cash letter adjustments
Processes TN Bar Interest of Lawyers’ Trust Accounts remittance
Creates and edits business analytics reports for branch reporting
Maintains metrics reporting for Deposit Operations
Sends debtor in possession statements to US Trustee
Completes interest adjustments as requested
Creates, edits, and modifies Transaction Management System templates
Responds to Subpoena document requests
Handles dormant and inactive account maintenance
Sends and receives large dollar notifications to and from other institutions or the Federal Reserve
Sets up sweeps for HELOC/demand deposit accounts
Updates Deposit Operations section on Intranet (department items, along with updating NSF approval and wire limits)
Reviews, responds to, and/or forwards Deposit Operations Department email
Sets up insured cash sweep of promontory shadow accounts
Reviews ACH, and wires in Guardian Analytics to detect anomalies used in preventing banking fraud
Unlocks and resets Navigator passwords
Processes demand deposit loans and SafePoint deposits
Reports unclaimed property annually to state

Acts as backup as follows:
approves ATM deposit capture and mobile capture
setting up new Mobile Deposit users
reviews Retail Online Banking in Guardian Analytics
reviews Online Banking and emails

College degree or equivalent professional experience in banking operations and/or retail preferred
Minimum one-year banking operations experience preferred
Attention to detail and accuracy of work essential
Strong general math and analytical skills
Discretion in handling confidential information and sensitive documents
Ability to communicate effectively through writing, speaking and listening
Demonstrates a commitment to accuracy and quality while meeting deadlines
Strong organizational and prioritization skills
Outstanding customer service skills
Ability to multi-task and prioritize
Strong Microsoft Word and Excel skills
Maintains a professional image with public interaction
Reliant Bank offers competitive compensation and full benefits including medical, dental, vision, health savings accounts, flexible spending accounts, life insurance, short term disability, long term disability, and 401(k). Qualified candidates may submit their resume to . Reliant Bank is an Equal Employment Opportunity/Affirmative Action Employer.