Deposit Operations Specialist

Deposit Operations Specialist

The Deposit Operations Specialist is responsible for the accurate and timely processing of deposit operations transactions across multiple functional areas. This role ensures all activities comply with bank policies, regulatory requirements, and established service-level deadlines. The role supports daily deposit operations and provides backup coverage for multiple teams by accurately processing exception items, maintaining account integrity, and minimizing operational and compliance risk.

Responsibilities include:

• Process daily exception items within Deposit Operation teams.
• Balance daily recons & reconcile discrepancies & investigate out of balance conditions & mis posted items.
• Respond promptly and courteously to daily inquiries from internal partners.
• Review & maintain accurate documentation to support audits and regulatory exams.
• Respond to internal requests related to Deposit Ops research and transaction history.
• Support process improvements and operational efficiency initiatives
• Partner with branches, customer service, treasury management, and fraud teams to resolve issues

Required qualifications include:

• Minimum of 3 years' Banking experience.
• Prior experience supporting multiple operational functions strongly preferred.
• Open to cross-training across multiple operational functions to support team coverage and business continuity, willingness to back up multiple teams & cover for PTO, high volumes, or special project.
• Adaptability able to shift between teams, tasks, and priorities quickly.
• Familiarity with core banking systems.
• Microsoft Excel (lookups, filtering, basic formulas)
• Ability to follow procedures, controls, and audit requirements Strong attention to detail and accuracy
• Analytical and problem-solving skills
• Strong written and verbal communication skills
• Proficiency with Microsoft Office (especially Excel and Outlook)
• Ability to follow procedures and work independently or as part of a team.
• Prior experience is preferred to handling audits or operational reviews.
• Experience mentoring or supporting peers during cross-training.
• Check processing and exception handling.
• Wire transfer knowledge and processing for domestic as well as international.
• Basic knowledge of ACH transaction life cycle.
• Perform data entry and transaction processing with a high degree of accuracy.
• Familiarity with banking regulations such as Regulation D and Regulation CC.
• Basic knowledge of Nacha rules and regulations.

Work environment includes:

• Fast-paced operations environment with daily processing deadlines.
• Requires extended periods of computer use and data review.
• May include early morning, end-of-day, or deadline-driven.

Texas Capital is an Equal Opportunity Employer.