SENIOR DEPOSIT OPERATIONS CLERK
SUMMARY:
The Deposit Operations Department handles a variety of operational functions for the Bank. This job description outlines the major functions within the department but is not all inclusive of an individual employee’s specific responsibilities. The Senior Deposit Operations Clerk may be assigned some combination of these duties and responsibilities based on work assignments and/or skills/experience.
ESSENTIAL DUTIES AND RESPONSIBILITIES
RESPONSIBILITY
Under direct supervision, services customer accounts by performing a variety of routine assignments as follows:
- Process debit card disputes, debit card fraud notifications and lost/stolen alerts.
- Support the daily ACH process, which includes but is not limited to Approval/Setup ACH Files, ACH incoming returns release, process uncollected funds, reviewing prenoted. Prepare reports for the ACH Committee and assist with preparing Annual ACH Reviews.
- Manage overdrafts to include monitor daily overdrafts for appropriate approvals, timely closing of the overdraft process, large dollar return notifications, monitoring of overdrawn accounts to include reaching out to the account officer and sending notifications to the customers, as needed closing stale overdrawn accounts, and reporting to ChexSystems.
- Process incoming return items (chargebacks) to include redepositing or charging back the item to customers account, notifying account officer of large or potential fraudulent items, mailing notices and place holds as necessary. Review incoming return notifications and place holds as needed.
- Mobile Deposit review -Review deposited checks for proper endorsement and potential fraud items.
- Process exceptions items to include Non-post and Stop Pays.
- Monitor closed accounts to determine if proper procedures have been followed.
- Review new holds for accuracy. Follow-up with Retail Team if any issues are found.
- Recons – Responsible for balancing and clearing differences on multiple bank GLs and internal DDAs.
- Positive Pay – monitor that decisions have been made on all items. Process returns as needed.
- Review incoming checks for potentially fraudulent activity in addition to missing signature, two signatures required, check stock differences and endorsement.
- Perform other Deposit Operations duties as assigned or required to back-up team .
JOB SPECIFICATIONS
All duties and responsibilities must be performed in compliance with applicable local, state, and federal regulatory guidelines.
QUALIFICATIONS
- •Effective time management skills.
- •Excellent oral and written communications to communicate with a wide range of internal and external contacts.
- •Demonstrate logical judgment, be detail-oriented, and possess the ability to prioritize tasks.
- •Ability to work independently, meeting deadlines.
- •Ability to use 10 key calculator; and other office equipment, including scanners, printers and computer.
- •Good working knowledge of applicable federal guidelines and regulations.
EDUCATION AND EXPERIENCE
High school diploma or general education degree (GED). Minimum of two (2) years of Bank Operations or related experience. Debit Card processing a plus.
PHYSICAL DEMANDS
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is regularly required to talk or hear. The employee frequently is required to stand, walk, sit and use hands to finger, handle or touch. The employee is occasionally required to reach with hands and arms. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision and ability to adjust focus. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
WORKING CONDITIONS
Work is performed in a typical office environment. Light and temperature are adequate, and there are no hazardous or unpleasant conditions caused by noise, dust, etc.
Equal Opportunity Employer Disability/Veteran
Lakeside Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law.
DISCLAIMER
The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.