Return Items Specialist I/II/III

Job Title

The responsibility of this position includes managing exception items that fail to post to the correct account. Duties include reviewing and making decisions on posted exceptions, processing notifications for large-dollar items, and charging dishonored return items back to the originating depository account or institution.

**This position may be filled as a level I, II, or III based on additional experience and qualifications required.**

Responsibilities

• Review and correct encoding or misread errors, including verifying signatures on smaller account items.
• Charge dishonored items back to the appropriate depository accounts, branches, or the Federal Reserve Bank (FRB).
• Re-qualify non-posted items to ensure they are applied to the correct accounts.
• Review and validate signatures on high-value and potentially fraudulent items by comparing them against authorized signature records on file.
• Notify branches, officers, or departments regarding incoming large dollar return items.
• Confirm stop-payment and caution items to support pay/return decisions.
• Investigate and process unidentified deposits and reconcile unposted transactions on closed accounts.
• Prepare and mail notifications and Image Replacement Documents (IRDs) to customers.
• Perform additional duties as assigned.

Qualifications

• High school diploma or GED equivalent
• Minimum six (6) months of experience applying basic mathematical principles (e.g. debits, credits, and account balancing)
• Strong attention to detail with excellent organizational and time management skills
• Proficient in computer applications
• Effective written and verbal communication skills, with the ability to quickly learn new concepts, meet deadlines, and adhere to established policies, procedures, and regulatory requirements
• Demonstrated accuracy and precision in work
• Ability to work independently as well as collaboratively within a team
• One (1) year of relevant work experience preferred
• Previous banking experience with a general understanding of return item procedures preferred

Additional qualifications for Level II:

• At least one (1) year of experience in return items processing or basic accounting role
• Intermediate knowledge of accounting principles, including debits, credits, and account balancing
• Strong understanding of intermediate mathematical concepts and foundational accounting practices
• Ability to complete routine tasks independently with minimal supervision
• Proficient in training team members on account processing procedures

Additional qualifications for Level III:

• At least two (2) years of experience in return items processing or basic accounting role
• Advanced knowledge of accounting principles, including debits, credits, and account balancing
• Excellent analytical, problem solving and organizational skills
• Ability to learn and follow instructions according to bank policies and procedures
• Performs routine tasks independently and trains others effectively without direct supervision
• Skilled in identifying daily process improvements, consulting with management on recommended changes, and assisting with the implementation of solution

Physical Requirements/Working Conditions: Must be able to sit for long periods of time and use computer keyboard and/or mouse requiring hand and wrist manipulation, while viewing computer screens.

Note: This is a brief description of this position and is not limited to those described herein. Management retains the right to add, delete or modify any of these responsibilities at any time during employment.