Deposit Operations Specialist

CNB Bank•Carlsbad, NM

13d•$22 - $28

About The Position

The Deposit Operations Specialist supports the bank’s Deposit Operations department and demonstrates knowledge across returned items, general ledger control, reconciliations, and administrative support. The role assists customers with basic information by phone, processes cycle statements and notices and daily mail, and maintains customer deposit account documentation. The position also supports transaction research, account maintenance, compliance reviews, and issue resolution across bank departments.

Requirements

Minimum 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 skills are a plus but are not required.

Responsibilities

Maintain digital customer deposit account documents and assist with file retention for stop payment forms, general file maintenance forms, Debit/ATM authorization forms, and other internal documentation.
Use core system inquiry functions and basic general ledger inquiry and transaction-posting functions.
Work with daily incoming and outgoing returned items, including reviewing NSF/OD lists and processing decisions, contacting customers as directed, generating IRDs and High Dollar Return Notices, and processing chargebacks.
Review and process unposted and exception transaction lists for checking, savings, general ledger, and ACH transactions.
Assist with daily general ledger account 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 Reg E claims and complete required 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 to meet NM Holders’ requirements for drilling and safekeeping contents.
Handle inactive and dormant accounts and account escheatment.
Use core system reports in 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 with basic information by phone, process cycle statements and notices and daily mail requirements, and maintain customer deposit account documentation.