Deposit Operations Specialist (73238

Job Details Level: Senior

Job Location:

Athens Branch - Athens, TN 37303 General Function:
Review, verify, maintain, and process accounts and transactions for all deposit operations functions. Stay alert for errors, omissions, red flags, fraud, inconsistencies, and any other concerning issues. Communicate with management, team members, customers, and third-party providers to ensure efficient, effective operations that follow the Bank’s policies and procedures.

• Receive, review, verify, process, document, and maintain all relevant communication and intake items for Deposit Operations, including but not limited to:
  • Deposit document scans
  • Wire transfers (incoming, outgoing, domestic, international)
  • ACH transactions
  • Internet Banking, Bill Pay, Mobile Deposits, and other web-base and digital banking transactions
  • New account openings, including documentation and CIP reviews
  • Dormant, closed, charged-off, and other special accounts
  • Insufficient funds reports and Bounce Protection
  • Account and customer review, including maintenance, address changes, stop payments, warnings, and restrictions
  • Debit cards
  • Retirement accounts, including contributions and distributions
  • Certificate of Deposit maintenance, including penalties, interest rate reviews, maturity, renewals, etc.
  • Deposit credit verifications and confirmations
  • Interest and expense checks; manage under dual control
• Ensure that information in the banking systems is correctly input, accurate, processed, and reported appropriately.
• Review, manage, and process assigned reports and information. Verify information, update and maintain systems, notify appropriate staff, notify appropriate staff, rectify, etc...
• Provide customer support for internet and telephone banking.
• Escalate red flag and fraud concerns immediately to reduce risk and loss. Work with Info Security and other teams to ensure proper handling and resolution.
• Assist retail team to ensure that CIP exceptions, signature cards, , documents, and other questions regarding pertinent account information are cleared up timely.
• Assist bank staff with account and deposit banking issues; provide guidance, support, and problem resolution.
• Proactively communicate with management, retail, lending, operations, compliance, and others to identify and resolve exceptions, issues, concerns, errors, omissions, deadlines, and other potential concerns with deposit operations.
• Review, process, and communicate incoming and returned mail.

• Review the Bank’s information security guidelines regularly and avoid activity that could expose the Bank to malware, scams, and fraud. Follow all guidelines for securing your accounts, access, systems, and information. Be proactive in identifying threats to information security and relay concerns to the information security team.
• Diligently protect confidential information and assist the Bank in ensuring that all confidential and sensitive information is handled appropriately.
• Maintain an active awareness and understanding of policies, procedures, designated authorities, regulations, and laws, including but not limited to, the Bank Secrecy Act, Anti-Money Laundering Act, Red Flags, Consumer Privacy, Fair Lending, other applicable lending laws, etc. Follow these at all times.
• Communicate openly with supervisors and other management about policies, procedures, work conduct, and job functions. Ask questions to clarify any uncertainty when issues arise.
• Address with your supervisor questions about suspected violations of policy and procedure, and other laws and guidelines, as outlined in the Code of Conduct, including but not limited to Bank Secrecy Act, Anti-Money Laundering Act, lending laws, etc.
• Participate in training sessions and policy updates as necessary. Assist with coordination of scheduling as appropriate.

• Maintain focus and professionalism at work; reserve personal matters for personal time. Be teachable, flexible, manageable, approachable, and helpful.
• Work scheduled and other needed hours at the designated location(s).
• Assist Management with scheduling and other issues as directed.
• Accept additional work as needed and assist other managers or Team Members as needed.
• All Team Members should provide consistently positive, effective, helpful service to all customers, both internal and external.
• Management or Bank policy may revise, delete, or add responsibility as necessary.

• Deposit Operations Specialist 1
• Deposit Operations Specialist 2
• Deposit Operations Specialist 3

• Entry-level position; must be able to learn and handle all assigned activities and follow policies and procedures. Should have a functional knowledge of the deposit operations functions. May focus on specific tasks, and should start learning other functions.
• Experienced position; must know and use appropriate information and learning to complete tasks with competence,…