Deposit Operations Specialist

Adams Bank & Trust Hiring now for a Full-Time Deposit Operations Specialist in the IT/Deposit Operations Department Signing Bonus May Apply

Adams Bank & Trust is a family-owned, regional bank with branches in Nebraska, Colorado, Kansas, and Arizona. We offer Commercial, Ag, and Retail products that allow our customers to utilize services both personally and for their business. We offer a competitive benefits package; including paid time off, 401k match, and health insurance. Find more details about the bank and apply through the Careers link at

We're looking for a positive, detail oriented individual to join our team as a Deposit Operations Specialist. This position can office from most branch locations in NE, CO, or KS.

In this role, you'll be responsible for the accurate and timely processing of electronic payments, deposit transactions, and daily banking operations. This role supports critical back-office functions including ACH processing, exception handling, account reconciliation, and deposit services, while also serving as a key point of contact for internal and external operational support inquiries. This role is responsible for ensuring the end of day balancing across all transaction points, resolving discrepancies, confirming that all cash, electronic, and system‑generated transactions reconcile to a balanced position.

• Process incoming and outgoing ACH files, including file origination and settlement through the Federal Reserve
• Review and resolve daily exception items, including non-posts, insufficient funds (NSF), stop payments, and returned transactions
• Monitor ACH activity for invalid accounts, returns, deceased account holders, and potential fraud; elevate and report suspicious activity as needed
• Review and approve customer‑submitted ACH files, ensuring adherence to established limits and risk controls
• Process and balance deposit transactions, including branch capture, merchant capture, and mobile deposits
• Process incoming cash letters and ensure accurate balancing and posting
• Reconcile official bank check accounts and correspondent bank accounts to ensure accuracy and completeness
• Execute scheduled core system and mainframe tasks to support daily banking operations and workflows
• Process bank statements and maintain accurate financial records
• Manage branch supply orders, including ordering, fulfillment, and internal billing
• Handle incoming branch mail and process through postage systems
• Provide internal and external support by responding to operational inquiries via phone and email, troubleshooting transaction issues, and guiding branch staff and customers on deposit operations processes

High school diploma or equivalent

2 years of banking operations, deposit operations, or related financial services or retail bank transaction/processing experience

See job description for more details.