We are looking for an experienced Deposit Operations Specialist to join a banking team in Fort Lauderdale, Florida. This onsite role supports critical deposit operations by ensuring daily transactions are processed accurately, exceptions are resolved promptly, and branch and customer questions are handled with care. The position is ideal for someone who thrives in a detail-focused environment and can manage a wide range of operational banking activities while maintaining compliance with internal policies and regulatory standards.
Responsibilities:
- Process and review daily deposit operations activity through banking platforms, including transaction reports and account-related system output.
- Investigate posting exceptions and non-post items, make correcting entries when appropriate, and reconcile outstanding differences with accuracy.
- Monitor overdraft activity, complete return processing, and act on payment decisions related to check fraud prevention services.
- Examine mobile and remote deposit transactions to confirm validity and support accurate account maintenance updates.
- Research and assist with debit card and account-related disputes, ensuring documentation is complete and case handling meets required procedures.
- Administer stop payment requests and unauthorized debit claims while maintaining proper records and timelines.
- Review documentation for newly opened and recently closed accounts to help preserve accurate customer records.
- Support specialized deposit operations matters such as legal notices, dormant account processing, deceased customer accounts, and government reclamation requests.
- Respond to inquiries from branch personnel and customers, providing clear guidance and operational support while contributing to departmental projects as needed.
- Follow established banking procedures and applicable regulatory requirements in all operational tasks and reporting activities.
- Minimum of 2 years of experience in banking operations, with prior exposure to deposit operations strongly preferred.
- Working knowledge of deposit services such as overdraft processing, Positive Pay, remote or mobile deposit review, and debit card servicing.
- Ability to research discrepancies, resolve exceptions, and make sound decisions in a high-accuracy environment.
- Strong attention to detail with the capacity to organize multiple tasks and meet daily processing deadlines.
- Clear written and verbal communication skills, along with a detail-oriented and service-oriented approach to internal and external support.
- Comfort working independently with banking systems and common office software; experience with Fiserv and Excel is beneficial.
- Familiarity with compliance expectations and operational controls within a banking environment.
- Exposure to customer account documentation, transaction review, and record maintenance is preferred.