Experienced Deposit Operations Representative

Harford Bank•Aberdeen, MD

9h•$19 - $26•Onsite

About The Position

Responsible for a variety of Deposit Operations duties. These may include but are not limited to IRA processing, Exception Item Processing, Account Maintenance, ACH, EFT, ATM, Overdraft Protection, Reconcilement of General Ledger Accounts, Wires, and various other functions related to the Deposit Operations areas of the bank. This position will include cross-training within the Deposit Operations department and will work closely with all customer-relating employees and with customers.

Requirements

High school or equivalent; college business courses beneficial
A minimum of two years working in Deposit Operations.
A minimum of four years working in a banking environment.
Exceptional customer service skills required.
Strong level of understanding of Checks, ACHs, Wires, Cards, and Cash transactions.
Computer skills to include intermediate knowledge of Microsoft Excel and Word and the aptitude to work within multiple systems.
Exceptional understanding and demonstration of listening skills and problem-solving abilities.
Self-starter, mindful of deadlines and follow through.
Strong interpersonal skills.
Strong verbal and written communication skills to include phone, email, and professionally written correspondence with customers, vendors, and institutions.

Responsibilities

Responsible for embracing and supporting Harford Bank’s Core Values and Vision.
Assist management with projects, high level problem solving, maintaining procedural updates, and extensive and thorough training of all current and incoming staff on their assigned responsibilities.
Identify and resolve problems that have high level customer or regulatory impact; serve as a senior level resource for team members by assisting with questions and providing guidance.
Provides support to the various business units throughout the bank as it relates to the set-up and servicing of the bank’s customers utilizing Positive Pay, ACH Origination, and Digital One Online Banking.
Perform daily processing of wire transfers to include document preparation, call back procedures, OFAC screening, data input/verification, account posting, and customer notification.
May monitor and maintain the Bank’s daily cash position with the Federal Reserve Bank and all other correspondent bank accounts.
Maintain and monitor customer dormant accounts, to include the annual escheatment process
Verify, correct, submit, and confirm all Harford Bank Currency Transaction Reports with FinCEN in concert with the Bank’s BSA Officer
Verify and track new customers and accounts to ensure collection of all required information and documentation as part of the Bank’s Customer Identification Program (CIP)
Maintain image databases for storage of new account documentation, customer IDs, department reports, and all other general record retention.
Identify and action suspicious transactions, such as check forgeries/alterations and fraudulent EFT activity, by applying analytical skills, utilizing anti-fraud software, and dutifully following procedures.
Correct and process daily exception items.
Maintain online banking and debit card profiles.
Process and respond to asset verifications, levies, garnishments, subpoenas, summons, and liens.
Process account maintenance.
Reconcile various general ledger and transaction activity statements, such as Cash, EFT, Items Processing, ACH Clearing, Federal Reserve, Correspondent Banks, and other internal clearing accounts.
Complete annual 1099 tax reporting review including the investigation of errors and making appropriate corrections to customers and bank.
May perform maintenance and support of the Bank’s Certificate of Deposit and IRA products.
Provide a superior customer experience by responding to all customer inquiries in a timely fashion, providing clear and concise information in a friendly and professional manner by all channels, including telephone, mail, and online messaging.
Maintain a thorough knowledge of all bank services and departments to properly direct customer inquiries to the area best suited to meet their needs.
Demonstrate a complete understanding of the Bank Secrecy Act and Harford Bank security procedures.
Maintain security of customer information and adhere to the Privacy Policy
Complete and comprehend all required compliance training.
Demonstrate a professional image and adhere to the Bank’s dress code.
Responsible for understanding the Bank's BSA/AML Policy, including satisfactory completion of required annual BSA/AML training as applicable to position and appropriately applying this knowledge to daily activities and responsibilities, specifically understanding that any suspicious activity must be reported to the BSA Officer immediately.