Deposit Operations Specialist

Adams Bank and Trust • Ogallala, NE

16h • Hybrid

About The Position

Adams Bank & Trust is seeking a positive, detail-oriented individual to join their team as a Deposit Operations Specialist. This position supports critical back-office functions including ACH processing, exception handling, account reconciliation, and deposit services. The role also serves as a key point of contact for internal and external operational support inquiries. The Deposit Operations Specialist is responsible for ensuring end-of-day balancing across all transaction points, resolving discrepancies, and confirming that all cash, electronic, and system-generated transactions reconcile to a balanced position. This role can office from most branch locations in NE, CO, or KS.

Requirements

• High school diploma or equivalent
• 2 years of banking operations, deposit operations, or related financial services or retail bank transaction/processing experience

Responsibilities

• Process incoming and outgoing ACH files, including file origination and settlement through the Federal Reserve
• Review and resolve daily exception items, including non-posts, insufficient funds (NSF), stop payments, and returned transactions
• Monitor ACH activity for invalid accounts, returns, deceased account holders, and potential fraud; escalate and report suspicious activity as needed
• Review and approve customer-submitted ACH files, ensuring adherence to established limits and risk controls
• Process and balance deposit transactions, including branch capture, merchant capture, and mobile deposits
• Process incoming cash letters and ensure accurate balancing and posting
• Reconcile official bank check accounts and correspondent bank accounts to ensure accuracy and completeness
• Execute scheduled core system and mainframe tasks to support daily banking operations and workflows
• Process bank statements and maintain accurate financial records
• Manage branch supply orders, including ordering, fulfillment, and internal billing
• Handle incoming branch mail and process through postage systems
• Provide internal and external support by responding to operational inquiries via phone and email, troubleshooting transaction issues, and guiding branch staff and customers on deposit operations processes

Benefits

• paid time off
• 401k match
• health insurance

What This Job Offers

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