Deposit Operations Specialist

Smartbank - Maryville, TN

Full-time - Entry Level

Maryville, TN

Credit Intermediation and Related Activities

About the position

As a Deposit Operations Specialist at SmartBank, you will play a crucial role in ensuring the smooth operation of our deposit services. This position requires a commitment to upholding SmartBank's core values and purpose, which emphasizes acting smart, looking smart, and being smart in all interactions. You will be responsible for providing excellent customer service to clients and fellow associates, addressing complaints, resolving issues, and offering assistance as needed. Your role will involve maintaining an inventory of supplies within the Deposit Operations area, processing various banking transactions, and ensuring compliance with departmental standards. In addition to customer service, you will handle a variety of operational tasks including deficit balance processing, chargeback of checks, and documentation review for new accounts. You will also be involved in research projects related to court-ordered subpoenas, account levies, and garnishments. Your attention to detail will be essential as you complete new account documentation scanning and indexing, make entries into the core system, and assist with account reconciliations. You will also be responsible for monitoring consumer mobile deposits and ensuring compliance with federal, state, and local banking regulations. The position requires collaboration with the Deposit Operations Management team on various projects and initiatives, including the implementation of system changes and updates to policies and procedures. You will also assist in training associates and updating training materials as necessary. Overall, this role is vital to maintaining the integrity and efficiency of SmartBank's deposit operations, ensuring that all processes are executed accurately and in a timely manner.

Responsibilities

• Provide excellent customer service to clients and fellow associates by investigating complaints and resolving issues.
• Maintain inventory of supplies within the Deposit Operations Area.
• Print notices and interest checks for mailing.
• Complete deficit balance processing, chargeback of checks, non-posted items, system corrections, and check adjustments as assigned.
• Ensure documentation is maintained and scanning completed according to departmental standards.
• Assist with research projects, such as court-ordered subpoenas or account levies and garnishments.
• Perform new account documentation review as assigned.
• Process documentation account exceptions in a consistent manner as established by departmental standards.
• Complete new account documentation scanning and indexing in a timely manner.
• Make appropriate entries into the core system, general ledger or correspondent accounts.
• Reconcile appropriate accounts and assist others in reconcilement problems and error resolutions.
• Assist with updating procedures and/or training materials as needed for the department.
• Perform wire input and/or verifications as needed to process for incoming and outgoing wires for both domestic and international.
• Assist Deposit Operations Management in any projects related to Deposit Operations products, processes and procedures.
• Verify daily stop payments noted on the stop payment report.
• Perform Large Dollar monitoring.
• Assist in dormant account review and escheatment process.
• Complete Individual Retirement Account (IRAs) and or Health Savings Account reviews as assigned.
• Process as assigned debit card or ACH disputes.
• Assist with the DDA charge-off process.
• Complete foreign items in a timely manner.
• Monitor Consumer Mobile Deposits daily and complete holds as needed on suspect items.
• Complete assigned functions of DirectLink Risk Review accurately and timely for efficient and effective management.
• Ensure issues discovered in DirectLink Risk Review are properly handled and monitor timeline to ensure compliance with procedures.
• Assist with procedures for DirectLink Risk Review and help train associates.
• Work with Retail Team to implement the Real Time Teller module of DirectLink Risk Review.
• Comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.
• Assist with any implementation of system changes.
• Assist in merger and acquisitions monitoring, validation or system input.
• Ensure required record keeping of documentation is maintained for the department.
• Attend assigned training sessions.
• Assist with updating policy and procedures as needed within the department.

Requirements

• High school diploma or equivalent.
• Two to five years of related experience in banking.
• Proficient level of computer competency including Microsoft Windows (Word, Excel, Outlook).
• Strong math skills.
• Excellent customer service and interpersonal skills.
• Strong written and oral communication skills.
• Detail oriented and ability to function in a team environment.
• Demonstrates ability to maintain a positive attitude.
• High level of integrity.
• Able to maintain regular and predictable attendance.

Nice-to-haves

• Previous experience in deposit operational areas is preferred.
• Ability to apply knowledge and sound judgment in decision-making using established guidelines.
• Willing to accept new ideas and methods and be agreeable to change.

Benefits

• Disability insurance
• Health insurance
• Dental insurance
• Tuition reimbursement
• Paid time off
• Vision insurance
• 401(k) matching