Deposit Operations Representative I

BayPort Credit Union • Newport News, VA

3d

About The Position

The primary purpose of this position is to perform a variety of deposit operations functions that support accurate, efficient, and compliant processing of member transactions and account services. The Deposit Operations Representative I is responsible for electronic transaction processing, account maintenance, transaction research, exception resolution, and regulatory support. The representative also serves as a resource for branch and member-facing teams by resolving inquiries, maintaining documentation, supporting fraud and dispute-related matters, and supporting new products, procedures, and process improvements.

Requirements

• Four-year high school diploma or equivalent.
• 1-3 years of deposit operations or related financial institution experience.
• Demonstrated understanding of deposit products, services, and applicable regulatory requirements.
• Working knowledge of ACH, EFT, and check processing.
• Ability to adhere to BayPort Credit Union’s Core Values: Integrity, Be Bold, Compassion, Diversity, Innovation, It’s On Me, and One Team.
• Handle sensitive information with discretion and confidentiality.
• Maintain strong organizational skills and attention to detail.
• Communicate clearly and professionally with members, staff, and business partners.
• Ability to utilize Microsoft Office Suite and job-related systems effectively.
• Work independently and collaboratively in a team environment.
• Analyze issues, solve problems, and prioritize tasks in a fast-paced environment.

Nice To Haves

• Bachelor’s degree from an accredited college or university.

Responsibilities

• Process, verify, balance, and reconcile daily deposit operations activity, including ACH, instant payments, checks, drafts, and related transaction activity.
• Process NSF, reject, exception, returned unpaid, and related transaction reports in accordance with established procedures.
• Research and resolve member and staff inquiries involving electronic transactions, deposit postings, draft activity, disputes, account corrections, and other deposit-related matters.
• Review and correct ATM deposits, mobile deposits, check adjustments, and other deposit exceptions to ensure accurate posting and daily balancing.
• Process ACH and manual returns, unauthorized debit claims, reclamations, and fraud-related cases in accordance with applicable procedures and regulatory requirements.
• Provide first-line support and troubleshooting for electronic, digital, online banking, mobile banking, safe deposit box, notary, and other deposit operations products, programs, policies, and procedures.
• Perform routine account audits, data maintenance, manual account adjustments, documentation review, and other assigned account-related tasks.
• Assist with testing core host releases, mergers, system updates, and the development, testing, and implementation of new products, procedures, workflows, and process improvements.
• Perform other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED