Deposit Operations Specialist

Additional Considerations (if any):

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At Midwest Heritage, the core of our culture is taking care of the customer and taking care of each other. Our employees appreciate that their contributions make a direct impact on the success of our business as well as their own personal and professional growth.

Midwest Heritage

J ob Title : Deposit Operations Specialist

Department: Banking

FLSA: Non-E xempt

General Function

The Deposit O perations Specialist supports a range of bank products, including customer account records, debit cards, ATMs /ITMs , online and mobile banking, remote deposits , ACH, wire transfer and treasury management services . The position encompasses a variety of duties utilizing a strong understanding of customer needs, general banking processes, and exception al customer service skills. The Deposit Operations Specialist interacts with banking employees and customers , handling inquiries, performing maintenance requests, and researching issues. Tasks must be completed timely and in compliance with bank policies and applicable regulations.

Core Competencies

Analytical Skills

Data Entry

ACH Processing

Organization

Communication

Reporting Relations

Accountable and Reports to: Deposit Operations Manager

Positions that Report to you: None

Primary Duties and Responsibilities:

Process exceptions, return transactions and clearinghouse adjustments.

Process requested customer and account maintenance and perform customer research.

Process and research disputed transactions (such as debit card disputes) in compliance with bank policies and banking regulations.

Perform daily cash and deposit balancing. Research and process exceptions.

Order applicable supplies and coordinate maintenance, new installations and machine removals.

Process returned ACH transactions and Notifications of Change.

Maintain ACH originating profiles and monitor ACH processing for exceptions and errors.

Process outgoing and incoming domestic and international wire transfers.

Monitor Federal Reserve and correspondent bank balances and move funds as needed.

Research and resolve debit card exceptions and complete card maintenance requests.

Reconcile general ledger and internal deposit accounts, researching outstanding items.

Process garnishments, levies and other legal orders.

Support and maintain treasury management products and account analysis system.

Monitor central cash vault inventory that supplies branches and ATMs.

Knowledge, Skills, Abilities, and Worker Characteristics:

Must have a friendly positive attitude, strong written and verbal communication skills and the ability to approach people.

Self-motivation, strong work ethic and the ability to build personal relationships with other employees and clients will be essential in this position.

Critical thinking and good judgment to quickly determine and prioritize key issues .

Must be able to work independently with little supervision.

Excellent organizational skills, detail orientation, multi- tasking and follow-up skills.

Must maintain a high degree of confidentiality.

Must always present themselves in a professional manner.

Education and Experience:

High School diploma or equivalent.

2+ years related work experience and/or education.

Direct experience in a cu stomer service role preferred.

Physical Requirements:

This position is classified sedentary/light and requires the ability to sit for long periods of time.

Visual requirements include: ability to see detail at near range with or without correction.

Must be able to perform the following physical activities: sitting for long periods , talking (in person and by telephone), hearing and repetitive motions.

Working Conditions:

The duties of this position are normally performed in a general office setting. This is a fast paced work environment.

There is frequent pressure to meet deadlines and handle multiple projects in a day.

Minimal travel

Equipment Used to Perform Job:

Computer (PC with Microsoft Office programs), telephone, calculator, telephone, copier, fax, and printer.

Contacts:

This position works with Midwest Heritage employees, customers, Hy-Vee employees, vendors and outside agents doing direct business with Midwest Heritage

Confidentiality:

This position has the responsibility to protect the privacy and confidentiality of customers, employees and bank/insurance/financial information at all times.

In the performance of their respective tasks and duties all employees are expected to:

Follow all state and federal regulatory requirements and complete assigned training courses within the required timeframes .

Perform quality work within deadlines.

Interact professionally with other employees, customers and suppliers.

Work effectively as a team contributor on all assignments.

Work independently while understanding the necessity for communicating and coordinating work efforts with other employees and organizations.