Deposit Account Maintenance Specialist

United Community Bank•Blairsville, GA

12d•$19 - $19•Onsite

About The Position

Performs a wide variety of duties related to deposit account maintenance and verifications. The role requires knowledge of banking regulations, Individual Retirement Accounts (IRAs), Health Savings Accounts (HSAs), compliance, and policy specifications. It supports daily interaction with branch personnel through phone and email communications. This is a full-time, non-exempt position based in the Blairsville, Georgia Operations location, with schedule flexibility to work evenings and weekends as needed and up to 5% travel.

Requirements

A two-year college degree is preferred, or an equivalent combination of education and/or work-related experience.
Good understanding of bank operations, functions, policies, procedures, state and federal laws, and IRA and HSA regulations relevant to the role.
Ability to understand computer functions and navigate web-based programs.
Proficiency in Microsoft Office programs, including Outlook, Excel, and Word, and general office equipment.
Excellent interpersonal and customer service skills, and ability to function in an office environment with minimal personal interaction.
Ability to communicate clearly and concisely verbally and in writing.
Detail-oriented, with ability to focus on repetitive tasks.
Ability to complete verbal task instructions, follow written procedures, and adhere to daily task deadlines.
Team-oriented and willing to assist others and cross-train on department functions.
Ability to work in a time-sensitive environment, manage multiple tasks, and meet strict deadlines.
Ability to travel for training when needed.
Ability to work flexible hours, overtime, and weekends as required.
Must pass a criminal background check.

Nice To Haves

One to two years of experience as a customer service representative (CSR) or in a related field.

Responsibilities

Receive and service customer phone calls and emails from bank representatives.
Provide efficient, accurate, high-quality service while maintaining good internal and external customer relations.
Support bank locations with transfer or rollover questions for IRA and HSA accounts.
Process account maintenance requests and corrections for DDA, SAV, COD, IRA, and HSA accounts in core operating and online banking systems, including personal information, account, statement, and product changes.
Monitor IRA distributions for customers age 70½ and communicate accordingly.
Communicate with IRA customers regarding required minimum distributions.
Assist affiliate banks and other holding company departments 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 forms for savings bonds and post them 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 Deposit Account Maintenance Department functions and may cross-train in Deposit Documentation Department functions.
Back up Deposit Account Maintenance staff and may back up Deposit Documentation staff and the Deposit Account Maintenance Supervisor.
Assist with maintaining and implementing departmental procedures and policies.
When necessary, assist with coordinating daily workflow to ensure jobs and tasks are completed accurately and on time.
Assist the Account Maintenance Supervisor in preparing month-end tracking reports for upper management.
Review departmental procedures and productivity and offer suggestions for enhancements.
Assist with offsite and onsite storage, including destruction, sending, and receiving.
Assist with merger and acquisition processes for new banks as they relate to Deposit Operations.
Participate in required compliance training, including Bank Secrecy Act/anti-money laundering training, and internal and external training programs, online training, meetings, seminars, and conferences.