Deposit Operations Representative

The Deposit Operations Representative is responsible for supporting daily deposit operations and providing exceptional customer service. This position handles a variety of operational functions, including ACH processing, wire transfers, chargebacks, non-posted and stop payment items, regulatory reporting, fraud monitoring, and account maintenance. The representative also assists customers with account inquiries and electronic banking services while ensuring compliance with established bank policies and procedures.

Perform additional assigned duties.

• Process chargebacks and NSF (Non-Sufficient Funds) items deposited into customer accounts.
• Process and monitor incoming and outgoing wire transfers, ensuring accuracy, security, and compliance, including required FinCEN reporting.
• Print and distribute NSF, PDP, and loan notices; send and receive ACH files.
• Review and process daily non-posted and stop payment items.
• Enter and maintain Reg CC holds and stop payment requests within the system.
• Process collections on checks drawn on the bank.
• Complete affidavits of forgery, unauthorized ACH/check claims, and debit card disputes.
• Investigate and resolve potential fraud involving ACH, checks, debit cards, and bill pay transactions.
• Research customer accounts and respond to inquiries regarding DDA accounts, balances, and bank hours.
• Assist customers with the iTalk automated phone system, internet banking, PNB Pro mobile app, iPay bill payment services, and Remote Deposit/mRDC.
• Perform account maintenance, including address changes and other updates.
• Balance assigned general ledger (GL) accounts, identify discrepancies, and make correcting entries as needed.
• Charge off deposit accounts, send items to collections, and process recoveries.
• Assist with garnishments, audits, and distribution of incoming and outgoing bank mail.
• Cross-sell bank products and refer customers to appropriate bank representatives when necessary.
• Answer incoming calls and direct customers to the appropriate department.
• Train other Deposit Operations Representatives as needed.
• Complete all required training and assist with implementation of new products and services.
• Perform all duties in compliance with established bank policies, procedures, and regulatory guidelines.

• High School Diploma required, some college preferred.
• Proficiency in Microsoft Word, Excel, and Windows-based systems.
• Ability to multi-task and work efficiently under pressure with speed and accuracy.
• Strong communication and customer service and organizational skills.
• Must be available to work at least 40+ hours per week and remain at work until 5:00 p.m.