Deposit Operations Analyst, Digital Banking

Team: Digital Banking : Operations

Location: Remote

Commitment: Full Time

Workplace Type: remote

Salary:

DUTIES AND RESPONSIBILITIES:

• Daily Analysis: 

• Manage the end-to-end processing of functions that require daily queue monitoring and decisioning, accept/reject actions, adjustments, research, and resolution of exceptions (such as duplicate/suspect items), while ensuring adherence to documented procedures and controls, like the Mobile Remote Deposit Capture (RDC/mRDC) function 

• For these functions, perform reconciliation and monitoring activities, including balancing/settlement validation, investigating variances, and coordinating reconciliation sign-offs when required within role-specific limits 

• Analyze transaction trends and volumes for assigned functions, identify drivers of exceptions/contacts, and recommend process improvements to reduce repeat issues and improve throughput and accuracy 

• Prepare and/or approve adjustments impacting the General Ledger within role-specific limits, analyze reconciliation variances, coordinate reconciliations, and support accurate documentation and sign-offs 

• Tier II Phone Support: 

• Serve as a first and primary point of contact to Tier II phone support calls for the Deposit Operations department, delivering timely internal support, troubleshooting, and issue triage 

• Analyze Tier II support trends (contact drivers, repeat issues, error patterns), and recommend systemic or holistic improvements to reduce routine support needs through better procedures, job aids, and/or upstream fixes 

• Escalations, Collaboration, and Knowledge Sharing: 

• Assess risk trends and control effectiveness for owned functions, identifying emerging issues and recommending corrective actions to reduce operational, financial, and regulatory exposure 

• Provide analytical support to escalations, including root-cause identification and recommended solutions.  

• Share insights, reporting, and best practices with peers and leaders; collaborate cross-functionally to resolve recurring issues and improve service and controls 

• Participate in service and process improvement initiatives by identifying inefficiencies and recommending enhancements to operational workflows and controls 

• Additional Responsibilities: 

• Support special projects and implementation activities for new procedures, controls, or technologies as assigned 

• Comply with all bank policies, audit standards, regulatory mandates, and all required compliance training. 

• Perform other duties as assigned 

QUALIFICATIONS:

• High School Diploma required, Bachelor’s Degree preferred 

• National Check Professional (NCP) accreditation preferred 

• Minimum of 3 years of bank operations experience required; 5+ years of experience or more years preferred 

• Prior item/check/payment processing experience preferred 

• Demonstrated problem-solving skills with the ability to identify trends, recommend systemic fixes, and support prevention strategies 

• Strong working knowledge of applicable regulations; ability to identify potential compliance issues and support regulatory analysis, exams, and reporting 

• Functional knowledge/understanding of accounting concepts and process preferred 

• Experience working in a fast paced, deadline-driven environment 

• Proficiency in the use of PC software tools for reports, audits, and analysis 

• Ability to establish positive working relationships and collaboration across the organization 

• Requires ability to work with minimal supervision 

• Proficiency with Microsoft Office tools (Outlook, Word, PowerPoint, Excel) 

• Excellent verbal, written, and interpersonal communication skills 

• Strong organizational skills and attention to detail 

• Outstanding problem-solving and time management skills 

• Self-motivated, self-directed, and results oriented 

• Adaptable and able to multitask in a fast-paced environment 

• Can work independently and within a team; solution-oriented with a collaborative approach