Deposit Operations Manager

Deposit Operations Manager Heritage Bank NA

310 1st St S, Willmar, MN 56201

The Deposit Operations Manager leads all deposit and payment-related operational functions, ensuring accuracy, compliance, efficiency, and scalability. This includes oversight of ACH, wires, Reg E, exception processing, reconciliation, account maintenance, and quality assurance. The role drives process improvement, automation, and internal control enhancements while developing and managing a high‑performing operations team.

• Oversee daily deposit account functions, including ACH, wires, Reg E, exception processing, account maintenance, reconciliations, and quality reviews.
• Direct payment operations for ACH, wires, RTP, card services, and emerging payment technologies with a focus on accuracy, compliance, and risk management.
• Maintain and update departmental SOPs, workflows, internal controls, and business continuity plans.
• Represent deposit operations in audits and examinations; ensure timely resolution of findings.
• Monitor and report on operational KPIs such as accuracy, turnaround times, and reconciliation exceptions.

• Implement automation and process improvement initiatives to reduce manual tasks and improve scalability.
• Ensure operational processes meet regulatory, audit, and security standards.
• Address risk areas in deposit and payment operations proactively and execute remediation plans.
• Serve as a subject matter expert on core systems (e.g., CSI NuPoint) to optimize system use.

• Lead, mentor, and develop the deposit operations team, fostering accountability, service quality, and continuous improvement.
• Provide hands‑on support and coaching until workflows and staff expertise are fully established.
• Partner with the Banking Solutions Manager to align deposit operations with hybrid staffing models.
• Oversee recruitment, training, supervision, and performance management for team members.

• Operational Excellence: strong focus on compliance, accuracy, and efficiency.
• Execution‑Oriented: skilled at stabilizing operations and improving processes.
• Leadership: proven ability to lead, coach, and develop teams.
• Innovation: experience leveraging automation and technology for operational improvements.
• Results‑Driven.

• Bachelor’s degree in Business, Finance, or related field (or equivalent work experience).
• 5–7 years of experience in banking operations with a focus on deposits and payments.
• 3+ years of management or supervisory experience.
• Strong knowledge of ACH, wire processing, Reg E, exception handling, and compliance requirements.
• Proven experience in process improvement, automation, and operational risk remediation.
• Experience with CSI NuPoint or a similar core banking system preferred.

• AAP (Accredited ACH Professional) – required
• APRP (Accredited Payments Risk Professional) or CTP (Certified Treasury Professional) – preferred

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