Deposit Operations Specialist
About The Position
The Deposit Quality Operations Specialist serves as a critical safeguard for the Bank’s deposit operations, helping ensure transactions are processed accurately, customer accounts are maintained properly, and operational risks are identified and addressed promptly. Your work directly contributes to protecting the integrity of customer accounts and transaction processing, supporting regulatory compliance and operational risk management, detecting and resolving exceptions before they impact customers, providing valuable support and expertise to branches and internal departments, and ensuring accurate reporting, reconciliation, and documentation across deposit operations. The Deposit Quality Operations Specialist ensures accurate processing of deposit-related transactions, account reconciliation, and resolution of operational exceptions across multiple payment channels. This role serves as a first line of defense against deposit-related risk and fraud while supporting compliance, operational controls, and exceptional internal customer service.
Requirements
- 1–2 years of banking or financial services experience, or an equivalent combination of education and experience
- Strong analytical, decision-making, and problem-solving abilities
- Excellent written, verbal, and interpersonal communication skills
- Strong organizational and time-management skills with the ability to manage multiple priorities
- Working knowledge of payment processing and applicable regulatory requirements
- High degree of accuracy and attention to detail
Responsibilities
- Review and resolve daily exception items, including chargebacks, non-posts, NSF items, stop payments, and large-item reviews
- Reconcile internal general ledger and bank accounts while maintaining accurate supporting documentation
- Process journal entries and account postings accurately and timely
- Validate transaction accuracy through daily reporting and documentation review
- Research account activity, transaction history, customer notices, and prepare required correspondence
- Maintain and update departmental procedures to support operational efficiency and regulatory compliance
- Process subpoenas, levies, garnishments, and account freezes in accordance with legal requirements
- Investigate, document, and support resolution of fraud-related claims across all payment channels
- Maintain confidentiality and adhere to attendance, professionalism, and operational standards
- Research and resolve inquiries from customers, branches, and internal departments
- Communicate effectively with branch personnel to address exceptions and documentation issues
- Provide operational guidance and support to internal partners
- Assist with branch operational needs when necessary
- Prepare operational, compliance, and management reports
- Support year-end processing, annual escheatment activities, and related deposit operations functions
- Assist with general accounting duties and departmental projects
- Participate in mail processing and other operational support activities
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
