Deposit Quality Analyst

Description

At INTRUST Bank, People Come First. Guided by strong character qualities—such as respect, compassion, humility, positivity, and initiative—we work to support one another, serve our customers, and strengthen our communities. Here, your career matters. You’ll find an environment where you’re encouraged to grow, empowered to lead at any level, and supported as you build a meaningful career with a trusted organization.

Job Summary: Provides top-tier customer service and professional support for escalated and complex questions from internal customers. This includes reviewing external legal documents to determine if they meet bank requirements and re-executing internal bank documentation for error resolution purposes. Audits all deposit account opening documentation and maintenance for accuracy and fidelity. Must have a high degree of knowledge regarding all INTRUST Bank deposit products, related documents, and regulations and keep updated on all government regulations as they pertain to deposit products. Promotes an environment of teamwork within the department and across the bank. Represents INTRUST Bank in all they do in the community and is focused on the development of new business relationships. Must maintain strict standards of confidentiality and perform duties in a manner supporting INTRUST’s Character Qualities.

Essential Functions: All expectations described in the job description’s essential functions are necessary to be successful in this role, performed with or without a reasonable accommodation.

• Supports internal customer escalated inquiries by responding to phone calls, service events and emails regarding complex deposit account setups, trust ownership, IRAs, bank regulations, and policies.

• Responsible for the handling of deposit accounts with a deceased owner, including system coding, beneficiary notification, and closure/payout of account(s). Reviews internal and external documentation including Power of Attorney, Payable on Death, and Small Estate Affidavit forms. Assists frontline with payout instructions when closing deceased accounts.

• Completes transactions on tax-advantaged accounts, including opening Beneficiary IRAs and processing outgoing IRA transfers. Opens Health Savings Accounts and handles multi-account HSA contributions.

• Assists with various department functions including, but not limited to new account/maintenance auditing, scanning/processing documents, address corrections/changes, daily/weekly/monthly exception reports/processes.

• Ensures accurate tax reporting on deposit accounts, reviewing regular reports and updating the core system when completing tax corrections as needed.

• Stays well informed of all rules and regulations governing deposit accounts offered at INTRUST Bank including all checking, savings, CD, IRA, HSA, and safe box products while maintaining a working knowledge of tax documents related to these products.

• Interacts with internal customers to expediently resolve account/document errors. Maintains awareness of regulatory timeframes and reconciles errors in a timely manner to minimize bank risk and/or negative customer impact.

• Able to work with all internal software programs and product applications to ensure customer support and service levels are met.

• Provides backup assistance as needed on multiple department functions and works on various special projects as assigned.

Education and Experience: High school diploma or equivalent, and 2+ year’s related job experience required. Previous banking experience required. Previous deposit operations, customer service, or CD/IRA experience a plus.

Required Skills and Knowledge: Excellent communication skills and computer experience required. Ability to follow established procedures accurately and efficiently. Must have excellent customer service skills. Ability to manage several high-priority tasks at one time. Must be able to explain problems clearly and interact in a professional/positive manner. Ability to learn and retain guidelines for the following rules and regulations: Reg D, Reg E, and Beneficial Ownership.

Required Licenses and/or Certifications: None.

Physical Demands: Extended period(s) of time may be spent viewing a personal computer, sitting, standing, and walking. Occasional lifting up to 25 lbs. The physical demands necessary for this role should be performed with or without a reasonable accommodation.

Working Conditions: Normal office conditions.

This job description summary is not intended to be an employment contract, nor is it intended to state or imply these are the only activities to be performed by the employee occupying this position. Employees will be required to follow any other duties as assigned or requested by their supervisor.

INTRUST Financial Corporation and its subsidiaries, including INTRUST Bank, are Equal Opportunity Employers whose policy is not to discriminate unlawfully against any qualified employee or applicant for employment on the basis of protected military or veteran status, disability, race, color, religion, sex, age, national origin, pregnancy, genetic information, sexual orientation, gender identity, or any other classification protected by applicable local, state or federal law; except where an individual’s protected category constitutes a bona fide occupational qualification.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights ( notice from the Department of Labor.