Deposit Operations Specialist Job San Antonio area,Texas USA,Finance & Banking

Position Summary

The Deposit Operations Specialist supports deposit operations and assists with customer and staff inquiries related to deposit accounts, digital banking, ACH, wires, debit cards, and other operational functions. This position places special emphasis on researching, organizing, and documenting fraud-related activity to support resolution, loss mitigation, account protection, and appropriate escalation.

Essential Duties and Responsibilities

Provide professional, courteous, and accurate support to customers and staff in person, by phone, and through electronic service channels.

Communicate and explain deposit account products, account terms, digital banking services, and department procedures in a clear and professional manner.

Listen carefully to customer and employee concerns, research issues, recommend appropriate solutions, and elevate matters when needed.

Support Online Banking, Bill Pay, Mobile Banking, Mobile Deposit, eStatement, debit card, ATM, and other digital banking inquiries, messages, enrollment support, disputes, and issue resolution.

Process and support non-post, NSF, returned item, incoming cash letter, ACH, Fedline, domestic wire, international wire, death notification, reclamation, and related operational items in accordance with Bank procedures.

Assist with wire transfer requests, required documentation, callbacks, security procedures, approval requirements, and related operational review as assigned.

Process and maintain documentation related to W-8

BEN forms, subpoenas, levies, reclamations, and other legal or regulatory account-related requests as assigned.

Manage or assist with dormant account processes for deposit accounts, including review, reporting, and preparation or submission of information for unclaimed property as assigned.

Investigate suspected or reported fraud involving ACH transactions, checks, debit cards, wire transfers, online banking, mobile deposit, remote deposit capture, and account takeover concerns.

Review transaction history, images, logs, account documentation, customer communication, dispute records, and other available information to determine facts surrounding reported or suspected activity.

Research ACH disputes, unauthorized activity, returned items, suspicious ACH patterns, and unusual originator or recipient activity.

Assist with check fraud matters, including altered, forged, counterfeit, duplicate-presentment, remote deposit, and mobile deposit concerns.

Support debit card fraud investigations, including card‑present, card‑not‑present, disputed transactions, compromised card matters, and related claim documentation.

Review wire transfer fraud indicators, including social engineering concerns, unauthorized requests, callback discrepancies, account takeover indicators, and unusual beneficiary activity.

Research online banking concerns, including suspicious login activity, credential compromise indicators, unauthorized transfers, suspicious digital banking activity, and customer‑reported fraud.

Prepare concise investigative summaries documenting activity reviewed, key facts, transaction details, timelines, supporting evidence, findings, and recommended operational next steps.

Maintain accurate, organized, and auditable case documentation from initial referral through closure or escalation, clearly identifying the source of information reviewed and the basis for recommended action.

Escalate high‑risk, time‑sensitive, repeated, unresolved, or suspicious fraud matters to the appropriate officer, supervisor, department, or BSA Officer when activity may require further review or SAR consideration.

Provide the BSA Officer with complete investigative packets, including transaction details, timelines, customer statements when applicable,…