Deposit Services Specialist - Electronic Banking

SOUTHERN BANK•Poplar Bluff, MO

4d•Onsite

About The Position

The Deposit Service Specialist is responsible for performing a wide range of deposit operations duties with a focus on accuracy, compliance, and service excellence. This position ensures timely and precise processing of deposit-related transactions, supports internal and external customers with professionalism, and contributes to ongoing process improvement and risk mitigation across the department. The Specialist works collaboratively with team members and other departments to maintain efficient and compliant operations that protect the Bank and its customers from potential risks, errors, and fraud.

Requirements

Excellent attention to detail and ability to maintain accuracy under time constraints.
Proficient in Microsoft Office applications and core banking systems.
Strong communication and problem-solving skills.
Ability to manage multiple priorities in a fast-paced environment.
Proficiency in computer applications and the ability to operate standard office equipment.
Strong organizational skills with the ability to prioritize competing deadlines, manage escalations, and balance multiple projects.
Excellent customer service skills with a focus on responsiveness, accuracy, and professionalism.
Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values.
High school diploma or equivalent.
1–3 years of experience in deposit operations, electronic banking, or related financial services preferred.

Responsibilities

Process deposit-related transactions including ACH, wire transfers, bill payments, mobile deposits, and recurring transactions with accuracy and timeliness.
Reconcile daily activity, minimize exceptions, and identify irregularities or potentially fraudulent behavior.
Build and maintain detailed documentation for fraud investigations and exception cases.
Adhere to all applicable regulatory and internal policy requirements, including NACHA, Regulation E, Regulation CC, and BSA.
Stay informed of regulatory changes and ensure daily practices reflect current standards.
Proactively identify operational risks, escalate anomalies, and maintain auditable records to support compliance and internal control objectives.
Support efforts to enhance processes, reduce errors, and improve efficiency.
Offer constructive feedback to leadership on process gaps, automation opportunities, and workflow enhancements.
Adapt quickly to policy, system, or procedural changes, and demonstrate agility in addressing emerging fraud trends.
Maintain a working knowledge of all Deposit Services functions to ensure effective coverage and collaboration.
Understand the broader objectives and interdependencies of related functions across the department.
Provide prompt, courteous, and professional assistance to branches, customers, and internal teams.
Prioritize inquiries effectively and escalate urgent or high-risk issues—such as fraud alerts or system outages—immediately to leadership.
Deliver precise and complete information to avoid miscommunication or misinformation.
Verify all details prior to response and maintain consistency across communication channels.
Demonstrate professional etiquette in all interactions—whether via phone, email, or digital correspondence.
Maintain confidentiality of customer and bank information at all times.
Record all interactions accurately and in accordance with departmental procedures.
Ensure documentation of inquiries, resolutions, and follow-up actions is complete, timely, and compliant with policy standards.
Actively participate in daily huddles and team updates.
Share observations, raise system issues, and align on daily priorities to ensure coordinated service delivery.
Partner with branch teams, Treasury, IT, and Risk to resolve issues efficiently.
Contribute to knowledge sharing, peer learning, and collaborative problem solving.
Provide constructive feedback to leadership on recurring issues, vendor performance, and process inefficiencies.
Communicate fraud trends, control gaps, and improvement opportunities in a clear, solutions-oriented manner.
Contribute to a positive, inclusive, and team-oriented culture.
Support and encourage colleagues, celebrate successes, and uphold the Bank’s values of integrity, collaboration, and service.
Ensures the confidentiality of customer non-public personal information and secures information systems to comply with bank regulations.