Deposit Operations Specialist

Join to apply for the Deposit Operations Specialist role at Bay First

Bay First National Bank is a full‑service community bank dedicated to providing a wide range of high‑quality banking services delivered in a personalized, friendly manner. Founded in 1999 and headquartered in St. Petersburg, Florida, we are a true community bank with the goal of becoming a one‑stop shop and trusted financial resource for the communities that we serve.

Understanding that our employees are our most valuable resource, we are committed to providing career development opportunities, competitive compensation, and generous benefits to our entire workforce. As an organization, we encourage open communication in an environment of mutual respect, where hard work is rewarded, and a professional but informal atmosphere is valued within the workplace.

The Deposit Operations Specialist plays a critical role in ensuring the accuracy, compliance, and efficiency of deposit processing within a financial institution. This position is responsible for managing daily deposit transactions, reconciling balances, and handling exceptions to maintain the integrity of customer accounts. The specialist ensures all activities comply with regulatory requirements, while performing work in accordance with established policies, procedures and Service Level Agreements (SLA) with complimentary departments.

Provides guidance to other team members to ensure daily deadlines and service levels are met.

The Deposit Operations Specialist utilizes regulatory compliance knowledge daily to ensure all deposit activities meet legal standards, minimizing institutional risk. Balance reconciliation skills are essential for verifying transaction accuracy and resolving discrepancies promptly. Exception handling expertise allows the specialist to identify and correct errors efficiently, maintaining operational integrity. Proficiency with banking systems supports accurate data entry and reporting, facilitating smooth transaction processing.

Multitasking abilities enable the specialist to manage multiple responsibilities simultaneously, ensuring timely completion of tasks and effective collaboration with team members.

• Provides exceptional customer service for all deposit services
• Identifies, investigates, and resolves exceptions and errors in deposit processing
• Performs balance reconciliations to ensure account accuracy and resolve discrepancies
  • Un‑posted transactions
  • Stop payments
  • Insufficient funds transactions
  • Return deposited items
  • Balancing of suspense accounts
  • ACH monitoring
• Processes Overdraft Privilege tasks
  • Processing daily file
  • Verify and manage customer communications
  • Process revoked limits
  • Process charge‑offs
• Reviews and verifies daily reports
  • Dormant/Inactive
  • Debit Card Fraud
  • Charge off
  • ACH returns
  • GL Recons
  • FED Statements
  • 1099 INT
  • ICS
• Prepares Monthly Reporting
  • Statistics
  • Interest on trust accounts (IOTA)
  • Backup Withholding
• Provides branch support regarding deposit services including online banking, bill payment and ATM/Debit Card services
• Supports Internet Banking services including new customer setup, ACH origination files, wire transfer files, stop payment requests, item correction requests, statement reprint requests, online interface reject items
• Corresponds to e‑mail inquiries, comments and concerns
• Assists customers with all deposit service activities
• Performs critical backup tasks for Deposit Services and Operations Manager
• Establishes and maintains an effective working relationship with coworkers
• Maintains composure while handling a variety of duties, deadlines and customer needs

• High school diploma or equivalent
• Computer literacy
• 3‑5 years prior banking experience
• Jack Henry Silver Lake experience preferred
• Knowledge of banking regulations including Reg E, UCC, Reg CC, 31 CFR Part 210 preferred
• Must be able to effectively and tactfully communicate with the public, both orally and in writing
• Must possess the ability and willingness to work harmoniously with co‑workers
• Must have patience, tact, a cheerful disposition and enthusiasm as well as the willingness to learn

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.