Deposit Servicing Specialist

NORTHWESTERN BANK•Chippewa Falls, WI

1d•Onsite

About The Position

The Deposit Servicing Specialist supports Northwestern Bank’s deposit operations by processing and balancing customer transactions, maintaining accurate account information, and assisting with ACH, debit cards, online banking, and other deposit-related services. The role researches and resolves account issues, assists customers and employees with deposit servicing needs, and ensures transactions and account records are handled accurately and in accordance with Bank procedures and regulatory requirements. This is a full-time position at the Chippewa Branch in Chippewa Falls, Wisconsin, working Monday through Friday during regular business hours. Work is largely performed in a pleasant office environment and involves frequent use of computers, telephones, and other office and banking-specific equipment, with sustained mental focus and visual attention. The position may require occasional unscheduled overtime.

Requirements

High school diploma or equivalent.
Strong customer service and interpersonal skills, with the ability to provide a positive customer experience.
Strong attention to detail and the ability to perform work accurately.
Excellent verbal communication skills and the ability to interact professionally with customers and coworkers.
Basic mathematical skills, including the ability to work with fractions, decimals, and percentages.
Ability to effectively use computers, banking systems, and other necessary equipment.

Nice To Haves

One to three years of banking, financial services, or related experience.

Responsibilities

Review daily overdraft items and decide whether to honor or return them or close accounts according to policy and the customer’s circumstances; process overdrafts and determine whether fees should be collected or waived.
Refer NSF checks to the originator, charge accounts accordingly, and follow collection procedures for NSF and bad checks.
Assist with editing proofs and operating the sorter; prepare the weekly block sheet and post through the block.
Balance in-process accounts, including loan, DDA, and Tyme savings accounts; prepare account reports and balance general ledger, MasterCard, money order, loan, and deposit principal accrued-interest accounts.
Post customer account changes, review unposted general ledger accounts and make corrections, and maintain customer CIF information on signature cards and in the computer system.
Place account warnings, set stop payments, combine statements when applicable, and take other account actions as necessary.
Set up and review consumer ACH activity with proper customer authorization and resolve customer ACH problems; assist commercial customers with ACH files and related services.
Order debit cards and handle debit-card fraud complaints; return point-of-sale fraud and credit customer transactions.
Work with the Cash Management Specialist to set up commercial customers with online banking and troubleshoot issues; prepare annual calendars and reports, manage payroll charging, distribute ACH rule books, and file prior-year ACH files.
Pull unposted checks, verify points of deposit, pay or return items, edit suspect reports, check stop payments, and process returned checks and related reversals.
Prepare legal forms and correspond with appropriate police departments in connection with bad checks.
Verify new deposit accounts and make necessary system changes; prepare and maintain government reporting information in accordance with regulations and bank procedures.
Assist customers with deposit-servicing inquiries in person and by telephone, including providing balance information, helping balance checkbooks, processing telephone transfers, and correcting account posting issues.
Prepare bill-payment checks and mailing entries, maintain specifications, and set up new products.
Return Social Security payments for deceased customers and prepare reclamations.
Set up vendors for the loan department, input savings-bond interest throughout the year, balance it at year-end, and complete and submit reporting information.
Perform computer-room duties as needed, including printing checks and changing backup disks; make cash-letter adjustments and research outstanding entries on the US Bank statement.
Assist commercial customers with Business Online login, password, and lockout problems; monitor external email received on the computer outside the IT office.
Verify check information for customer statements, stuff statements for mailing, prepare outgoing mail, locate information for customers or coworkers, and complete customer-account inquiries.
Release incoming wires, contact customers, and assist with related problems.
Maintain current job knowledge through appropriate industry reading and inform employees about enhancements to deposit, CIF, and government-reporting systems.
Assist customers with internet banking, Mobiliti, Zelle, Bill Payment, Online Banking, and remote deposit.
Perform other duties as necessary to fulfill the responsibilities of the position.