Banking Deposit & Retail Operations Specialist

GenoaBank • Genoa, OH

9h

About The Position

The Deposit and Retail Operations Specialist performs day-to-day Deposit Operations, Exception Item Processing, and Branch Operations support activities. The role provides centralized assistance to branches and other departments and ensures assigned account maintenance, documentation review, exceptions, adjustments, reports, and quality-control responsibilities are completed accurately and on time.

The Specialist serves as a resource for deposit account administration, new-account documentation, branch procedures, transaction corrections, exception processing, and related operational issues. The role identifies documentation deficiencies, unusual activity, control concerns, and recurring errors, escalating significant matters to the AVP, Deposit and Retail Operations Manager. It requires attention to detail, knowledge of deposit and branch operations, sound judgment, and responsive internal customer service.

The position works primarily Monday through Friday during normal Bank business hours. Some Saturdays and additional hours may be needed to support branches, processing deadlines, audits, implementations, conversions, or other business requirements. Limited travel among Bank locations may be required.

Requirements

• Two or more years of banking experience involving Deposit Operations, Branch Operations, retail banking, exception processing, account administration, or related functions is preferred.
• Strong knowledge of deposit account documentation, maintenance, transaction processing, branch operations, or exception processing.
• Strong attention to detail and commitment to accuracy and timely follow-up.
• Strong research, analytical, organizational, and problem-solving skills.
• Ability to follow established procedures, controls, approval requirements, and regulatory standards.
• Strong internal customer service and communication skills.
• Proficiency with Microsoft Office and ability to learn core, teller, onboarding, imaging, and workflow systems.

Nice To Haves

• Associate’s degree in Business, Finance, Accounting, or a related field; equivalent banking experience may be considered.
• Deposit, IRA, compliance, or operations training.
• Experience with Deposit Operations, Branch Operations, retail banking, exception processing, account administration, or related banking functions.

Responsibilities

• Perform new-account quality-control reviews, including account ownership and titling, signature cards, CIP/KYC documentation, disclosures, and system setup.
• Process approved deposit account maintenance, corrections, restrictions, holds, and other servicing requests.
• Assist with complex account documentation, including trust, estate, power-of-attorney, and guardianship documentation.
• Support assigned deposit functions such as dormant accounts, escheatment, garnishments, levies, safe deposit boxes, club accounts, CDs, IRAs, HSAs, and statements.
• Review daily and periodic reports, identify exceptions or documentation deficiencies, complete follow-up, and escalate matters as appropriate.
• Maintain accurate records and ensure appropriate retention of documentation.
• Process assigned NSF and overdraft items, return items, unposted and non-posted items, check adjustments, ACH exceptions, Fed adjustments, deposit corrections, and reconcilement exceptions.
• Research account and transaction history and obtain required approvals before processing exceptions or corrections.
• Balance assigned work, resolve discrepancies by established deadlines, and communicate exceptions and required actions to branches and other departments.
• Perform assigned quality-control reviews and maintain supporting documentation.
• Support branches with balancing, outages, scanning, cash controls, negotiable instruments, cashier’s checks, vault controls, night drop, holds, account documentation, and operational procedures.
• Assist with teller and branch operational audits, tracking, follow-up, and correction of findings.
• Support branch opening and closing procedures, retention requirements, and operational training.
• Assist with ATM cash management and branch-related ATM operational issues as assigned.
• Research and resolve branch inquiries, escalating complex, recurring, or high-risk issues.
• Participate in branch new-hire and ongoing operational training as assigned.
• Maintain working knowledge of assigned core, teller, onboarding, workflow, imaging, and deposit operations systems.
• Assist with system testing, releases, upgrades, conversions, and implementation activities.
• Maintain procedures, job aids, forms, logs, and operational documentation.
• Identify recurring errors, control weaknesses, workflow issues, and opportunities for improvement.
• Support audits, examinations, risk assessments, reporting, and remediation activities as assigned.
• Participate in cross-training and provide backup coverage for critical functions.
• Provide prompt, courteous, and accurate support to branches, employees, and customers as appropriate.
• Collaborate with Branch Administration, Digital Banking and Payment Services, Compliance, BSA, Information Technology, Lending, and other departments.
• Follow up on issues, communicate status to affected stakeholders, and promptly escalate unusual activity, suspected fraud, documentation concerns, and significant operational risks.
• Communicate regularly with the manager about workload, exceptions, recurring issues, and improvement opportunities.
• Maintain professional knowledge through assigned deposit, branch operations, compliance, fraud, and system training.
• Complete required compliance training and comply with banking laws, regulations, and Bank policies and procedures.
• Perform other duties and projects as assigned.

Benefits

• The Bank pays 100% of employee premiums for medical, dental, vision, long-term disability, short-term disability, and life insurance.
• 401(k) plan with a 50% match up to 8%, plus an additional 4% profit sharing.
• Employee Stock Purchase Plan.
• Generous paid time off.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: Associate degree