Return Items Specialist I/II/III

Trustmark • Jackson, MS

3d

About The Position

Overview The responsibilities of this position include handling exception items that do not post to the correct account. Key duties involve reviewing and resolving posting exceptions, making informed decisions on these items, processing notifications for high-value transactions, 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. 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. Qualifications 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 One (1) year of relevant work experience preferred Previous banking experience with a general understanding of return item procedures preferred Additional qualifications for Level II: At least one (1) year of experience in return items processing or basic accounting role Intermediate knowledge of accounting principles, including debits, credits, and account balancing Strong understanding of intermediate mathematical concepts and foundational accounting practices Ability to complete routine tasks independently with minimal supervision Proficient in training team members on account processing procedures Additional qualifications for Level III: At least two (2) years of experience in return items processing or basic accounting role Advanced knowledge of accounting principles, including debits, credits, and account balancing Excellent analytical, problem solving and organizational skills Ability to learn and follow instructions according to bank policies and procedures Performs routine tasks independently and trains others effectively without direct supervision Skilled in identifying daily process improvements, consulting with management on recommended changes, and assisting with the implementation of solution Physical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse requiring hand and wrist manipulation, while viewing computer screens. Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.

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
• At least one (1) year of experience in return items processing or basic accounting role (Level II)
• Intermediate knowledge of accounting principles, including debits, credits, and account balancing (Level II)
• Strong understanding of intermediate mathematical concepts and foundational accounting practices (Level II)
• Ability to complete routine tasks independently with minimal supervision (Level II)
• Proficient in training team members on account processing procedures (Level II)
• At least two (2) years of experience in return items processing or basic accounting role (Level III)
• Advanced knowledge of accounting principles, including debits, credits, and account balancing (Level III)
• Excellent analytical, problem solving and organizational skills (Level III)
• Ability to learn and follow instructions according to bank policies and procedures (Level III)
• Performs routine tasks independently and trains others effectively without direct supervision (Level III)
• Skilled in identifying daily process improvements, consulting with management on recommended changes, and assisting with the implementation of solution (Level III)
• Must be able to sit for long periods of time and use computer keyboard and/or mouse requiring hand and wrist manipulation, while viewing computer screens.

Nice To Haves

• One (1) year of relevant work experience preferred
• Previous banking experience with a general understanding of return item procedures preferred

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