Process and review mobile deposits, in-clearings, ACH transactions, wire transfers, and RDI transactions.
Balance files daily and resolve exceptions in a timely and accurate manner.
Process Account-to-Account (A2A) transfers and ACH originations.
Perform debit card reconciliations and investigate discrepancies.
Generate operational and client-facing reports in accordance with institutional policies.
Ensure all deposit-related activities comply with applicable banking regulations, including Regulation E, Regulation CC, and NACHA rules.
Conduct research and provide operational support for digital deposit services, including ACH, mobile deposits, and reconciliation inquiries.
Perform daily General Ledger reconciliations for all digital clients.
Facilitate internal and external money movement transactions as required.
Execute daily audits and monitor dual control processes to maintain operational integrity.
Collaborate with cross-functional stakeholders, including Product, Fraud, Compliance, and Client Services, to improve operational workflows and client outcomes.
Manage and resolve tickets in accordance with established Rules of Engagement.
Provide cross-training and backup support to other Deposit Operations Specialists.
Participate in team initiatives and special projects as assigned by the Digital Operations Manager.

Requirements

3+ years of experience in deposit operations, banking operations, or a related financial services role
Fintech industry experience preferred.
Strong understanding of NACHA rules and applicable banking regulations
Knowledge of operational risk controls and compliance requirements
Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook)
Strong analytical, organizational, and time management skills
Detail-oriented with the ability to prioritize effectively in a deadline-driven environment
Strong written and verbal communication skills
Demonstrated ability to collaborate in a cross-functional, remote environment.

Benefits

Annual Cash Bonus and Equity Options commensurate with the role level and experience.
Fully Remote.
401(k) plan.
Insurance - Health, Dental and Vision.
Time Off.

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

deposit operationsACH transactionswire transfersGeneral Ledger reconciliationsdebit card reconciliationsoperational risk controlscompliance requirementsmobile depositsA2A transfersreport generation

Soft Skills

analytical skillsorganizational skillstime managementdetail-orientedprioritizationwritten communicationverbal communicationcollaborationproblem-solvingcross-training