Return Items Specialist I​/II​/III

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.

Teamwork and the individual contributions of our associates are recognized as the drivers of our success. At Trustmark, we are committed to preserving and advancing a diverse and inclusive workplace, where each associate, customer and shareholder is respected, valued and encouraged to share in our commitment. We make significant investments in our associates so that they may enhance their personal and professional skills, because we want each associate to grow, flourish and fulfill their career aspirations.

Come onboard and join our team!

Trustmark exemplifies the strength and possibilities that come with a diverse and inclusive team. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, age, marital status, genetic information, pregnancy, national origin, protected veteran, disability status, or any other characteristic protected under applicable law. Trustmark is committed to providing access, equal opportunity and reasonable accommodation for individuals with disabilities in employment.

Upon accepting a position with Trustmark, the following pre-employment screenings must be completed:

• Verification of employment, education and other data provided by you on your employment application
• Verification of eligibility to work in the US
• Criminal background check
• Credit check (required for certain positions)
• Fingerprinting…