Senior Deposit Operations Analyst

Job Description

Job Description

Benefits:

• Health insurance
• Paid time off
• 401(k)

Position Summary:
The Senior Deposit Operations Analyst is responsible for performing a broad range of advanced operational, technical, analytical and payment services functions in support of Deposit Operations and all Bank departments. This position serves as a subject matter expert for deposit operations systems, payment processing, digital banking platforms, operational procedures and payment services administration.

 
The Senior Deposit Operations Analyst is responsible for monitoring, administering, troubleshooting, and improving critical deposit operations processes while ensuring compliance with regulatory requirements and Bank policies. This position serves as a key resource for operational problem resolution, system administration, process improvement initiatives, and organizational projects.

 
Duties and Responsibilities

 
Operational Leadership & Technical Expertise

• Serve as a subject matter expert for deposit operations systems, processes, and products.
• Research and resolve complex operational exceptions and issues requiring advanced analysis and decision making.
• Act as an escalation resource for Deposit Operations staff, branch personnel, and other departments.
• Provide guidance and training to employees regarding deposit operations products, services, systems, and procedures.
• Assist with development and maintenance of departmental procedures and developing documentation. 

Systems Administration

• Assist with administration, maintenance, testing, and implementation of core processing systems and ancillary applications.
• Coordinate and perform testing related to software upgrades, enhancements, new products, and regulatory changes.
• Monitor system performance and recommend process or system improvements.
• Participate in vendor communications regarding operational issues, enhancements, and support requests.

 
Payment Services Focus

• Serve as the operational subject matter expert for the Bank's payment services, including ACH, wire transfers, debit card operations, instant payments, positive pay, and other payment-related products and services.
• Act as the primary resource for payment processing procedures, operational support, troubleshooting, and exception resolution.
• Partner with business units, technology teams, vendors, and future payment strategy leadership to support payment product enhancements and implementations.
• Coordinate testing, operational readiness activities, and process documentation for new payment services, system upgrades, and product enhancements.
• Assist in evaluating payment workflows and identifying opportunities to improve efficiency, controls, customer experience, and operational effectiveness.
• Monitor payment operations for accuracy, compliance, risk management, and adherence to Bank policies and procedures.
• Provide guidance and training to employees regarding payment services, operational procedures, and system functionality.
• Support payment-related projects and serve as a key operational resource for implementation and ongoing administration of payment solutions. 

Project & Process Improvement Responsibilities

• Participate in operational projects, system conversions, product implementations, and strategic initiatives.
• Identify opportunities to improve efficiency, reduce risk, and enhance the customer experience.
• Assist with workflow analysis, process improvement, and automation initiatives.
• Develop and maintain operational reports and management information as needed. 

Compliance & Risk Management

• Assist with operational audits, examinations, and internal reviews.
• Monitor operational controls and recommend enhancements to mitigate risk.
• Assist in researching and implementing regulatory and compliance-related operational changes.
• Support fraud prevention, payment risk management, and operational risk mitigation activities.

Miscellaneous

• Perform other duties as required to fulfill the responsibilities of the position.
• Follow procedures and policies that ensure compliance with not only Bank policies and procedures, but also all applicable federal and state banking regulatory agency policies.
• Comply with bank standards for attendance and hours of work. 

Qualifications
Education/Experience:

 
Associate's Degree in Business, Accounting, Finance, Information Systems, or related field preferred.

 
Minimum of 5 years of banking experience with significant exposure to deposit operations, payment systems, digital banking administration, operational support, or related banking functions.

 
Demonstrated expertise in core banking systems, electronic payment channels, deposit regulations, and operational processes.

 
Skills and Abilities:
Adaptability:

• Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations.

Attention to Detail:

• Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.

Change Management: 

• Must embrace change and see change as opportunity. Must be willing to express and support management's ideas to affected staff.

Customer Orientation:

• Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty.

Oral/Written Communication:

• The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.

Professionalism:

• Project a positive image of the bank to all internal and external customers.

Time Management:

• Ability to effectively manage one’s time to complete work according to established deadlines.  The ability to prioritize tasks to make the best use of time for high priority tasks.

Team Player:

• Must view oneself as part of an overall team.  This includes supporting others throughout the entire bank to achieve the overall goals of the bank. 

Working Environment
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 
Travel:  
Valid driver’s license required for travel to Bank offices, training sessions, customer meetings, Bank and community meetings, etc.  

 
Physical Requirements
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.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 
This job description in no way states or implies that these are the only duties to be performed by the employee occupying this position.  Employees may be required to follow other job-related instructions and to perform other job-related duties as requested, subject to all applicable state and federal laws.  Certain job functions described herein may be subjected to possible modification in accordance with applicable state and federal laws.  There are different experiences that suggest other ways or circumstances where reasonable changes or accommodations are appropriate.  All activities, demands, conditions, and requirements are linked to duties and responsibilities.

 
Job Description subject to change at any time at the discretion of management.