Operations & Cash Management Services Rep.

Farmers & Merchants Bank•St. Clair, MO

About The Position

Operations & Cash Management Services Representative The customer-focused Operations Service Representative supports daily operational functions across deposit services, digital services, and cash/treasury management. This role helps ensure accuracy, efficiency, and strong internal controls while providing excellent support to both customers and internal teams. Ideal candidates are organized, tech-savvy, and comfortable working with financial systems while managing multiple tasks and priorities. This position reports to the Chief Information Officer.

Requirements

High school diploma required.
Strong attention to detail, organization, and problem-solving skills.
Comfortable working with financial systems, digital platforms, and Microsoft Office.
Able to work independently and collaboratively.
Strong communication skills and a service-oriented mindset.

Nice To Haves

Prior experience in deposit operations or financial customer service preferred.

Responsibilities

Assist customers and staff via phone, email, chat, and online platforms.
Answer questions about accounts, digital services, and transactions.
Troubleshoot issues, resolve service requests, and guide users through available tools and services.
Support business clients using cash-management tools such as online banking, remote deposit, payment origination, and fraud-prevention services.
Assist with onboarding, training, service changes, and ongoing support.
Monitor activity to ensure proper controls, limits, and security protocols.
Review, verify, and process electronic payments and transfers.
Set up and support online and mobile services, including access resets and digital deposit reviews.
Monitor for unusual or potentially fraudulent activity and escalate when needed.
Handle customer disputes across multiple communication channels.
Gather documentation, track cases, and ensure timely, compliant resolution.
Identify trends or suspicious activity and report to appropriate teams.
Process and review daily transactions, including electronic deposits, transfers, returns, and adjustments.
Ensure compliance with internal policies, regulatory requirements (e.g., NACHA, Reg E), and audit standards.
Assist with daily balancing and reconciliation of internal accounts and activity.