Deposit Services Specialist - Electronic Banking

PRIMARY PURPOSE OF JOB The Deposit Service Specialist is responsible for performing a wide range of deposit operations duties with a focus on accuracy, compliance, and service excellence. This position ensures timely and precise processing of deposit-related transactions, supports internal and external customers with professionalism, and contributes to ongoing process improvement and risk mitigation across the department. The Specialist works collaboratively with team members and other departments to maintain efficient and compliant operations that protect the Bank and its customers from potential risks, errors, and fraud. ESSENTIAL FUNCTIONS AND PERFORMANCE Transaction Processing: Process deposit-related transactions including ACH, wire transfers, bill payments, mobile deposits, and recurring transactions with accuracy and timeliness. Reconcile daily activity, minimize exceptions, and identify irregularities or potentially fraudulent behavior. Build and maintain detailed documentation for fraud investigations and exception cases. Compliance: Adhere to all applicable regulatory and internal policy requirements, including NACHA, Regulation E, Regulation CC, and BSA. Stay informed of regulatory changes and ensure daily practices reflect current standards. Proactively identify operational risks, elevate anomalies, and maintain auditable records to support compliance and internal control objectives. Continuous Improvement: Support efforts to enhance processes, reduce errors, and improve efficiency. Offer constructive feedback to leadership on process gaps, automation opportunities, and workflow enhancements. Adapt quickly to policy, system, or procedural changes, and demonstrate agility in addressing emerging fraud trends. Cross-Training: Maintain a working knowledge of all Deposit Services functions to ensure effective coverage and collaboration. Understand the broader objectives and interdependencies of related functions across the department. Customer Support: Responsiveness: Provide prompt, courteous, and professional assistance to branches, customers, and internal teams. Accuracy: Deliver precise and complete information to avoid miscommunication or misinformation. Professionalism: Demonstrate professional etiquette in all interactions—whether via phone, email, or digital correspondence. Documentation: Record all interactions accurately and in accordance with departmental procedures. Teamwork and Communication: Daily Huddles: Actively participate in daily huddles and team updates. Collaboration: Partner with branch teams, Treasury, IT, and Risk to resolve issues efficiently. Feedback: Provide constructive feedback to leadership on recurring issues, vendor performance, and process inefficiencies. Culture: Contribute to a positive, inclusive, and team-oriented culture. QUALIFICATIONS Excellent attention to detail and ability to maintain accuracy under time constraints. Proficient in Microsoft Office applications and core banking systems. Strong communication and problem‑solving skills. Ability to manage multiple priorities in a fast‑paced environment. Proficiency in computer applications and the ability to operate standard office equipment. Strong organizational skills with the ability to prioritize competing deadlines and balance multiple projects. Excellent customer service skills with a focus on responsiveness, accuracy, and professionalism. Ability to remain adaptable and resilient to all situations with an optimistic outlook. EDUCATION, TRAINING AND EXPERIENCE REQUIREMENTS High school diploma or equivalent. 1–3 years of experience in deposit operations, electronic banking, or related financial services preferred. CORE COMPETENCIES Adaptability: Maintaining effectiveness when experiencing major changes in work responsibilities or environment. Applied Learning: Assimilating and applying new job‑related information in a timely manner. Quality Orientation: Accomplishing tasks by considering all areas involved, no matter how small; showing concern for all aspects of the job; accurately checking processes and tasks; being watchful over a period of time. #J-18808-Ljbffr Southern Bank