Deposit Operations Specialist

CNB Bank•Carlsbad, NM

15h

About The Position

The Deposit Operations Specialist demonstrates broad knowledge of departmental functions, including returned items, general ledger control, reconciliations, and administrative support. The role assists customers with basic information by phone; processes cycle statements, notices, and daily mail; and maintains customer deposit account documentation. The specialist also supports transaction research, quality assurance, compliance reviews, and resolution of posting issues across the bank. The position works with deposit operations processes such as returned items, ACH, legal orders, Regulation E claims, overdrawn and dormant accounts, safe deposit boxes, check adjustments, and general ledger reconciliations. The schedule is listed as Monday through Friday, 8:00 a.m. to 5:00 p.m., with possible working-day/hour considerations.

Requirements

High school diploma or equivalent.
Basic mathematics skills, including simple percentage calculations and simple algebraic solutions.
Basic computer skills, including working knowledge of the Windows operating environment and Microsoft Office basics.
Ability to navigate shared drives to research and store files digitally.
Ability to make independent decisions.

Nice To Haves

Bilingual language skills are a plus but are not required.

Responsibilities

Maintain knowledge of core system inquiry functions.
Maintain digital customer deposit account documents and assist with file retention for stop payment forms, general maintenance forms, debit/ATM authorizations, and other internal documentation.
Use basic general ledger inquiry and transaction-posting functions.
Process daily incoming and outgoing returned items; review NSF/OD lists and process decisions; contact customers as directed; generate IRDs and high-dollar return notices; and process chargebacks.
Review and process unposted or exception transaction lists for checking, savings, general ledger, and ACH transactions.
Assist with daily general ledger reconciliations and entries to clear outstanding items.
Apply NACHA ACH guidelines to paper checks and electronic ACH file originations and returns.
Process legal orders, levies, garnishments, and reclamations.
Review and decision Regulation E claims and complete related documentation and notices.
Review overdrawn accounts, follow charge-off procedures, and report amounts owed or recovered to credit reporting agencies.
Manage overdue safe deposit boxes in accordance with New Mexico holders’ requirements for drilling and safeguarding contents.
Handle inactive and dormant accounts and account escheatment.
Use core system reports for daily transaction research.
Handle incoming and outgoing check adjustments through FedLine Web.
Perform quality assurance and compliance reviews for new accounts and maintenance transactions.
Assist other bank departments in resolving transaction-posting issues.
Assist customers by phone with basic information and process cycle statements, notices, and daily mail requirements.