Deposit Operations Specialist I - ACH

First United Bank•Durant, OK

5d•Onsite

About The Position

The Deposit Operations Specialist – ACH plays a critical role in delivering secure, accurate, and timely ACH services that support our customers, team members, and communities. This position is responsible for the processing of incoming and outgoing ACH transactions and related electronic payment activities while upholding First United’s commitment to operational excellence, risk management, and exceptional service. This role goes beyond transaction processing—it reflects our service philosophy by building trust through accuracy, responsiveness, and proactive communication. The Specialist actively develops into a subject matter expert while contributing to the continuous improvement of processes, ensuring we serve customers seamlessly—the first time, every time. The Specialist demonstrates strong ownership, sound judgment, and attention to detail while ensuring all activities align with established policies, procedures, NACHA requirements, regulatory requirements, and service level expectations.

Requirements

High School Diploma or GED required
Proficiency in Microsoft Outlook, Word, and Excel
Strong attention to detail with the ability to manage high-volume, time-sensitive ACH tasks
Sound judgment and problem-solving skills in a risk-sensitive environment
Ability to prioritize, meet deadlines, and maintain accuracy under pressure
Excellent customer service skills across written, verbal, and interpersonal communication
Strong collaboration skills with the ability to work effectively across teams
Dependable, accountable, and committed to meeting schedules and deadlines
Professional demeanor with the ability to handle challenging situations with composure
Demonstrate a customer-first mindset by responding with empathy, urgency, and accountability
Contributes positively to team culture

Nice To Haves

Minimum of 2 years of banking or financial services experience preferred
Experience in ACH processing, electronic payments, or related operational functions preferred

Responsibilities

Process daily incoming and outgoing ACH files with a high degree of accuracy and timeliness
Balance and reconcile ACH file activity in accordance with established procedures and deadlines
Complete Treasury Management ACH originator setup and maintenance in accordance with established requirements
Process ACH disputes, reversals, returns, corrections, service requests ACH auto transfers, reclamations, and deceased customer maintenance in accordance with established procedures and deadlines and with sound judgement
Assist Community Bank personnel and internal partners with ACH transaction research and operational questions
Ensure ACH transactions comply with internal policies, operating procedures, NACHA requirements, and regulatory requirements
Review ACH exception items and complete required verification procedures to mitigate fraud and operational risk
Review and resolve exception items identified through Risk Fraud Analysis and Verafin monitoring
Identify opportunities to improve ACH workflows, reduce risk, and enhance the customer and team member experience
Take initiative in researching and resolving ACH issues and completing tasks with minimal supervision
Support team goals by maintaining productivity, quality standards, and service level commitments
Complete all required compliance training and exams within established timelines
Maintain adherence to all First United policies, procedures, and standards
Support department initiatives and perform other duties as assigned by leadership
Maintain professional appearance and conduct consistent with organizational expectations