Deposit Operations Specialist

Corporate Headquarters - Hybrid
2275 Research Blvd
Suite 600
Rockville, MD 20850, USA

About Us
Capital Bank N.A. is headquartered in Maryland and has been serving our communities since 1999. We stand as a publicly traded company (NASDAQ: CBNK) with over $3 billion in assets. We offer commercial and consumer banking services to clients primarily in Maryland, DC, and Northern Virginia, alongside two nation-wide lending brands;
Capital Bank Home Loans and Open Sky, a credit card division that offers and services credit cards across all states. Our personalized approach to banking, paired with cutting-edge technology solutions and a comprehensive suite of products and services, fuels our growth, and enables us to support our customers at every stage in their financial journey.

Come join a bank where our employees thrive and are engaged in meaningful work. For the last 5 out of 6 years, Capital Bank was named one of the "Best Banks to Work For" in the U.S. by American Banker.

Position Responsibilities

• Support bank staff to meet established administrative, operational, and compliance goals for each market center and department within the bank while ensuring a comprehensive understanding for a full range of services (including deposits, credit, and referrals to other lines of business) and assist in the development of new products and services to meet customer needs
• Assist the Deposit Operations Manager to conduct day-to-day operational and compliance activities to achieve performance goals while maintaining superior customer service levels
• Participate coaching sessions with management staff to ensure superior customer service is being delivered to all customers, while improving personal work product
• Ensure compliance with all bank and regulatory standards as measured by bank and/or branch audits, compliance audits, and security reviews.
• Assist the Deposit Operations Manager in monitoring assets, liabilities, income and expenses to ensure adherence to budget
• Provide support by assisting in resolving problems, approving transactions, and authorizing exceptions and/or adjustments. Monitor daily reports of the banks exception items, customer and account level maintenance, deposit rate changes, and stop payments decisions while ensuring adherence to the budget. Perform all aspects of the banks wire transfer function, ensuring proper use of both the FED and correspondent bank systems. Ensure a full understanding for NACHA ACH rules and operating procedures, including Capital Express online banking through ECom or ECorp and provide ongoing staff training.
  
  Be the primary contact for all bank staff and customers for Capital Express online banking. Assist in the completion of all back-office support functions, while providing continuous feedback on ways to further improve the overall operational functions and improve efficiencies.
• Ensure that all personal work functions are performed in compliance with bank policies and procedures and regulatory guidelines. Utilize most effect delivery channels to effectively service customer needs. Assist in resolving customer problems, research requests, and other duties as assigned by management.
• Demonstrate and help sustain an atmosphere of quality customer service behaviors by all staff members in all areas of service delivery. Ensure work production meets both internal and external customer’s expected deadlines and standards. The level of quality should be consistent with the bank's culture and measured by customer compliments/complaints.
• Operations staff shall be especially aware of and comply with the requirements of the Bank Secrecy and OFAC regulations as they impact the daily activities in the Operations department. Staff shall immediately report suspected suspicious or unusual activity to the Bank Secrecy Officer.

• Bachelor's degree in relevant field or equivalent work experience
• Solid and proven operations record; 2-3 years of frontline or back office operational experience
• Ability to provide both short-term and long-term customer service and operational results
• Thorough knowledge or understanding of banking operations policies,…