Deposit Operations Specialist

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 personally and for their business. We offer a competitive benefits package, including paid time off, 401(k) match, and health insurance. Signing bonus may apply.

We are hiring a full‑time Deposit Operations Specialist in the IT/Deposit Operations Department. This position can be based at most branch locations in NE, CO, or KS.

In this role you will be responsible for accurate and timely processing of electronic payments, deposit transactions, and daily banking operations. You will support critical back‑office functions including ACH processing, exception handling, account reconciliation, and deposit services, while serving as the key point of contact for internal and external operational support inquiries. You are responsible for ensuring end‑of‑day balancing across all transaction points, resolving discrepancies, and 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.

$15.00 - $22.00 per hour.