Deposit Operations Representative

Job Title:

Deposit Operations Representative

Company Overview:
Austin Capital Bank is a fast-growing, tech-forward community bank based in Austin, Texas. We're a nationwide leader in responsible financial innovation, offering both stability and growth. Our unique blend of banking and technology allows us to serve customers across the country with simple, reliable, and customer-friendly financial products. As a company, we take pride in being approachable and attentive. Our team members are trusted problem solvers who deliver exceptional service and make a real impact on our customers' financial well-being.

We've been recognized on the Inc. 5000 list of fastest-growing companies multiple years in a row—and we're just getting started.

Why You'll Love Working Here:

• 100% Employer-paid Medical, Dental, & Vision Insurance
  - Full coverage for employee-only plans, with affordable options to add your family.
• Generous Paid Time Off (PTO) - Start with 16 days per year and grow to 30 days as your tenure increases.
• Paid Holidays - 11+ paid holidays in a year so you can enjoy your time off.
• 401(k) with 4% Employer Match
  - Build your future with company-matched retirement savings.
• Monthly Chair Massages
  - Relax and recharge on us.
• Consistent Schedules & Work-Life Balance
  - No evenings, weekends, or weird hours—just the work-life balance of a normal human.
• Opportunities to Grow
  - Career development, tuition assistance, and the ability to explore roles across the bank.
• A Team That Feels Like a Team
  - Supportive coworkers, positive environment, and leadership that actually listens.

Our Core Values:
We are nice folks, but unapologetically fierce competitors in the marketplace who work as a team. Every member of our team embodies our core values. We work, hire, fire, and promote by these values.

• Take Initiative – A bias to action
• No Big Egos – Self-confidence with humility
• Honesty – Respectful and direct forthright communication
• Wicked Smart – Intellectually and emotionally self-aware

What You'll Do:
As a Deposit Operations Representative, you'll support the daily operational functions of the bank while helping ensure accurate, efficient, and compliant processing of deposit-related activities. This role serves as a key operational resource, provides support to the VP of Operations, and assists with customer transactions as needed.

• Process and support daily ACH, EIP, and wire transfer activities.
• Perform account maintenance and review customer account documentation for accuracy and completeness.
• Generate, review, and analyze operational and exception reports.
• Assist with balancing internal accounts, general ledger accounts, and other operational reconciliations.
• Prepare and distribute customer notices, correspondence, and required disclosures.
• Support online banking, bill pay, and cash management services for consumer and commercial customers.
• Research and resolve account discrepancies, transaction exceptions, and customer inquiries.
• Assist with transaction disputes, account investigations, and operational problem resolution.
• Open and maintain consumer and commercial deposit accounts in accordance with bank policies and procedures.
• Assist with bank audits, examinations, compliance requests, and internal reviews.
• Gather and provide documentation for formal complaints, subpoenas, and other legal or regulatory requests.
• Work directly with Jack Henry support and other third-party vendors to troubleshoot operations issues and system concerns.
• Perform interest adjustments, account corrections, and other maintenance activities as needed.
• Support the VP of Operations with operational projects, reporting, process improvements, and other assigned initiatives.
• Maintain a thorough understanding of bank policies, procedures, and regulatory requirements.
• Provide backup teller coverage and assist customers with deposits, withdrawals, payments, account inquiries, and other routine banking transactions as needed.
• Cross-train and collaborate with other departments to support overall branch and operational needs.
• Perform other duties as assigned.

What You'll Bring:
To thrive in this role, you'll need to be friendly, detail-oriented, and dependable. We're looking for…