Deposit Operations Specialist

American Community Bank & Trust (ACBT), the largest locally owned bank in McHenry County, is seeking a Deposit Operations Specialist to manage and optimize daily deposit services. In this position, you will ensure accuracy, efficiency, and compliance of our banking processes while delivering exceptional support to both internal teams and valued clients. Your expertise will be essential in managing all deposit operational aspects related to client processing, helping deliver superior banking solutions in a fast-paced, collaborative environment.

An ideal candidate will have had intermediate or better experience with handling high volumes of item processing (the primary responsibility of this role), reconciliation and balancing, and foreign checks/wires, as well as exposure to a deposit operations/back office environment. They are known for being a proactive individual with an entrepreneurial mindset and a collaborative spirit. They possess a passion for innovation, a keen attention to detail, and a commitment to exceptional service.

A background in banking or finance, along with strong communication skills and teamwork abilities, will contribute to their success. Adaptability and a willingness to learn new systems are essential, as is a strong ethical foundation and the ability to handle sensitive information with discretion.

• Oversee daily incoming cash letter processing, balance daily work, and submit end‑of‑day files to the Federal Reserve Bank and Fiserv.
• Ensure proper record retention for physical check archives and manage the destruction of outdated records.
• Process foreign check items and handle corrections and adjustments from the Federal Reserve Bank.

• General Maintenance of Accounts: including limits, account status, monitoring, and reporting.
• Monitoring and Support:
  Manage fraud prevention efforts, and serve as an advisor for inquiries and cases.
• Compliance:
  Process Regulation E claims related to debit card transactions.

• Conduct application balancing and daily processing of chargebacks, paper items, and Automated Clearing House (ACH) transactions.
• Review and process electronic banking files, including mobile deposits, Remote Deposit Capture (RDC), ATM transactions, and lockbox services.

Wire Transfer Processing: Manage incoming and outgoing domestic and international wire transfers, including origination and maintenance, utilizing the Wire Xchange system (Payments Exchange and CXI) effectively.

Fraud Management: Conduct daily reviews of fraud management activities to identify and mitigate risks.

Remote Deposit Capture: Perform monthly and annual reviews of remote deposit capture processes to ensure compliance and efficiency.

Account Reconciliation: Review and reconcile internal accounts, including adjustments for Automated Teller Machine (ATM) transactions, Zelle, and debit card activities.

Exception Item Processing: Manage non‑processed items and ACH discrepancies, ensuring timely resolution.

Fraud Check Claims Processing: Process claims related to fraudulent checks in accordance with bank policies.

Additional Duties: Perform other duties as assigned to support the overall operations of the department.

• Communication: Ability to convey information clearly and effectively to clients and team members.
• Client Orientation: Commitment to providing exceptional service and support to clients.
• Integrity: Uphold the highest ethical standards in all interactions and transactions.
• Relationship Building: Foster strong relationships with clients and colleagues to enhance collaboration.
• Results and Goal Orientation: Focus on achieving objectives and delivering…