Return Items Specialist I/II/III

Trustmark Bank • Jackson, MS

10d • Onsite

About The Position

The responsibility of this position includes managing exception items that fail to post to the correct account. Duties include reviewing and making decisions on posted exceptions, processing notifications for large-dollar items, and charging dishonored return items back to the originating depository account or institution. This position may be filled as a level I, II, or III based on additional experience and qualifications required.

Requirements

• High school diploma or GED equivalent
• Minimum six (6) months of experience applying basic mathematical principles (e.g. debits, credits, and account balancing)
• Strong attention to detail with excellent organizational and time management skills
• Proficient in computer applications
• Effective written and verbal communication skills, with the ability to quickly learn new concepts, meet deadlines, and adhere to established policies, procedures, and regulatory requirements
• Demonstrated accuracy and precision in work
• Ability to work independently as well as collaboratively within a team

Nice To Haves

• One (1) year of relevant work experience preferred
• Previous banking experience with a general understanding of return item procedures preferred
• At least one (1) year of experience in return items processing or basic accounting role (for Level II)
• Intermediate knowledge of accounting principles, including debits, credits, and account balancing (for Level II)
• Strong understanding of intermediate mathematical concepts and foundational accounting practices (for Level II)
• Ability to complete routine tasks independently with minimal supervision (for Level II)
• Proficient in training team members on account processing procedures (for Level II)
• At least two (2) years of experience in return items processing or basic accounting role (for Level III)
• Advanced knowledge of accounting principles, including debits, credits, and account balancing (for Level III)
• Excellent analytical, problem solving and organizational skills (for Level III)
• Ability to learn and follow instructions according to bank policies and procedures (for Level III)
• Performs routine tasks independently and trains others effectively without direct supervision (for Level III)
• Skilled in identifying daily process improvements, consulting with management on recommended changes, and assisting with the implementation of solution (for Level III)

Responsibilities

• Review and correct encoding or misread errors, including verifying signatures on smaller account items.
• Charge dishonored items back to the appropriate depository accounts, branches, or the Federal Reserve Bank (FRB).
• Re-qualify non-posted items to ensure they are applied to the correct accounts.
• Review and validate signatures on high-value and potentially fraudulent items by comparing them against authorized signature records on file.
• Notify branches, officers, or departments regarding incoming large dollar return items.
• Confirm stop-payment and caution items to support pay/return decisions.
• Investigate and process unidentified deposits and reconcile unposted transactions on closed accounts.
• Prepare and mail notifications and Image Replacement Documents (IRDs) to customers.
• Perform additional duties as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED