DEPOSIT OPERATIONS OFFICER

FIRST NATIONAL BANK OF OKLAHOMA•Oklahoma City, OK

7d•Onsite

About The Position

Chartered in 1917, First National Bank of Oklahoma saw a change with new ownership and management team in 2002 and recent years have been exciting. The bank's focus has been sharpened, two new Oklahoma City banking offices have been opened, new products developed and offered and we have an experienced staff to service our customers. We will continue evaluating service enhancements with a goal of delivering all of the banking services you require, while remaining true to our community banking roots. First National Bank of Oklahoma is an independently owned, strong, and growing bank seeking an experienced Deposit Operations Officer. As our Deposit Operations Officer, you will be responsible for supervising the bank’s daily item processing and payment operations, including processing ACH and inclearing files, incoming and outgoing wire transfers, exception processing and disputes. This position serves as the working supervisor for the Deposit Operations team and is responsible for ensuring daily processing is completed accurately, timely and in accordance with applicable regulations, network rules and bank policies and procedures. The Deposit Operations Officer serves as the primary escalation point for complex processing issues and works closely with branch staff, Compliance and other departments to resolve exceptions, mitigate operational and fraud risk and maintain effective payment operations.

Requirements

High school diploma or equivalent, some college preferred, but not required
5 years of experience in bank operations, item processing, or payments
Prior supervisory or lead experience in a bank operations/payments environment
Elevated understanding of check processing, ACH, and/or wire transfer functions
Demonstrated experience investigating and resolving Regulation E claims

Nice To Haves

Familiarity with Federal Reserve FedLine, NACHA rules, or Check 21/remote deposit capture systems
Knowledge of Reg CC, BSA/AML basics
Experience with real-time payment rails (RTP, FedNow) is a plus
AAP, AFPP, APRP, and NCP certifications are a plus, or willingness to pursue

Responsibilities

Process all incoming ACH and inclearing files
Balance daily POD and research and resolve out-of-balance conditions
Process returned items, adjustments, and exception items (NSF, stop payments, holds, altered/counterfeit items)
Prepare and transmit outgoing cash letters to the Federal Reserve and correspondent banks
Process outgoing ACH files (originations and receipts), monitor NACHA file transmissions, and resolve ACH exceptions/returns
Support Remote Deposit Capture (RDC) monitoring and troubleshooting for business/consumer clients
Process wire transfers or assist wire operations as backup, verifying accuracy and completing required call-back/verification procedures
Process FedNow payments & reconciliations.
Reconcile general ledger and demand deposit accounts (DDA) tied to item processing and payments
Maintain compliance with Reg CC (funds availability), Reg E, NACHA operating rules, and BSA/AML monitoring related to payment activity
Oversee the investigation and resolution of Regulation E disputes and error claims (unauthorized transactions, ATM/POS errors, provisional credit timelines) in accordance with regulatory deadlines
Identify and escalate suspicious items or potential fraud (kiting, counterfeit checks, altered items)
Assist with month-end and year-end reporting related to payment operations
Maintain accurate records/logs for audit and regulatory examination purposes
Provide support to branch staff regarding item processing questions, wires, ACH, remote deposit capture, exceptions, and holds
Supervise and coordinate the daily activities of item processing/payments staff, including scheduling, workflow assignment, and coverage during peak cycles
Train, mentor, and evaluate performance of team members; assist in onboarding new operations staff
Serve as escalation point for complex exception items, disputes, and staff questions