SUMMARY – As a Deposit Operations Specialist at Thumb Bank & Trust, you will be responsible for maintaining accurate and compliant deposit account records, processing transactions, and managing documentation with a high degree of accuracy. This role requires strong attention to detail, critical thinking skills, and the ability to analyze and resolve operational issues. You will support the bank’s commitment to exceptional customer service, operational excellence, and community banking values

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

• Process and maintain deposit account activity including new account verification, account maintenance, and customer information updates and review.
• Accurately handle ACH transactions, incoming/outgoing wire transfers, debit card disputes, and check processing.
• Perform document handling tasks including receiving, scanning, indexing, organizing, and securely storing customer and internal banking documents.
• Maintain orderly digital records and ensure timely filing and retention of all documentation in accordance with bank policies and regulatory requirements.
• Investigate and resolve account discrepancies, service issues, and transaction exceptions in a timely and customer-focused manner.
• Support compliance with federal and state banking regulations, including BSA/AML, Regulation E, UCC, and NACHA rules.
• Assist in the review of stop payments, non-posts, and non-sufficient fund transactions.
• Reconcile internal deposit-related accounts and escalate unresolved items.
• Collaborate with internal staff to resolve operational questions and provide back-office support to enhance the customer experience.
• Provide documentation and support for internal audits and regulatory examinations.
• Contribute to a culture of continuous improvement by identifying and recommending process enhancements.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

• Process and maintain deposit account activity including new account verification, account maintenance, and customer information updates and review.
• Accurately handle ACH transactions, incoming/outgoing wire transfers, debit card disputes, and check processing.
• Perform document handling tasks including receiving, scanning, indexing, organizing, and securely storing customer and internal banking documents.
• Maintain orderly digital records and ensure timely filing and retention of all documentation in accordance with bank policies and regulatory requirements.
• Investigate and resolve account discrepancies, service issues, and transaction exceptions in a timely and customer-focused manner.
• Support compliance with federal and state banking regulations, including BSA/AML, Regulation E, UCC, and NACHA rules.
• Assist in the review of stop payments, non-posts, and non-sufficient fund transactions.
• Reconcile internal deposit-related accounts and escalate unresolved items.
• Collaborate with internal staff to resolve operational questions and provide back-office support to enhance the customer experience.
• Provide documentation and support for internal audits and regulatory examinations.
• Contribute to a culture of continuous improvement by identifying and recommending process enhancements