Deposit Account Maintenance Specialist

United Community Bank•Blairsville, GA

3d•$37,440 - $45,185•Onsite

About The Position

Performs a wide variety of duties pertaining to deposit account maintenance and verifications. Functions require knowledge of banking regulations, (IRA) Individual Trust Accounts, (HSA) Health Savings Accounts regulations, compliance, and policy specifications. This position supports daily interaction with branch personnel via phone and email communications.

Requirements

2 years’ College Degree preferred or combination of education and/or work related experience
1-2 years’ experience as a CSR or in a related field preferred
Good understanding of bank operations, functions, policies, procedures, state / federal laws, and IRA and HSA regulations as related to job role
Possess the ability to understand computer functions and navigate web based programs
Proficient in Microsoft Office programs (Outlook, Excel, Word) and general office equipment
Possess excellent interpersonal and customer service skills and the ability to function in an office environment with minimal personal interaction
The ability to converse clearly and concisely with verbal and written communications
Must be detail-oriented and have the ability to focus for repetitive tasks
Possess the ability to complete verbal task instructions, follow written procedures, and adhere to daily task deadlines
Possess a team spirit, willing to assist others and cross train on all functions within the department
Ability to work in a time sensitive environment with the ability to manage multiple tasks and meet strict deadlines
Ability to travel for training, when needed
The ability to work flexible hours, overtime and weekends as required
Participate and complete all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.
Must be able to pass a criminal background check

Responsibilities

Receive and service customer phone calls and emails from bank representatives
Provide efficient, accurate, and high-quality service while maintaining good customer relations both internally and externally
Support bank locations with Transfer or Rollover questions for (IRA) Individual Retirement Accounts, and (HSA) Health Savings Accounts
Process account maintenance requests and corrections on DDA, SAV, COD, IRA, HSA accounts on core operating system and online banking system that includes but is not limited to: personal information changes, account changes, statement changes, product changes and etc.
Responsible for monitoring IRA distributions for customers 70 ½ years of age; communicate accordingly
Responsible for communicating to all IRA customers regarding their required minimum distributions
Provides assistance to affiliate banks and other departments within the holding company in resolving core balancing issues
Review account maintenance changes performed by other bank operations personnel for accuracy
Review and determine authorities from entity agreements and supporting documents
Review and process applicable accounts for Reg D Activity
Process W-9 for savings bonds and post to customer accounts
Process and review applicable accounts for TIN mismatches with the IRS (B-notices)
Provide assistance with on-the-job training
Cross-train in all functions for Deposit Account Maintenance Department
May cross-train with all functions for Deposit Documentation Department
Serve as a back-up to Deposit Account Maintenance staff and also may also back-up Deposit Documentation staff as well as Deposit Account Maintenance Supervisor
Assist with maintaining and implementing departmental procedures and policies
When necessary assist with coordinating the daily workflow to ensure all jobs / tasks are completed timely and accurately
Assist Account Maintenance Supervisor in preparing month end tracking reports for upper management
Review departmental procedures and productivity and offer suggestions for enhancements
Responsible for assisting with offsite/onsite storage: destruction, sending, and receiving
Assist with merger and acquisition process of new banks as it relates to Deposit Operations