Deposit Operations Analyst, Digital Banking

This is a fully remote position, open to applicants in United States.

📋 Description

• Execute and enhance the assigned Deposit Operations functions by conducting trend analysis and offering proactive risk/control insights.

• Oversee the complete processing cycle, which includes daily queue monitoring, decision-making, accept/reject actions, adjustments, research, and exception resolution, encompassing Mobile Remote Deposit Capture (RDC/mRDC).

• Conduct reconciliation and monitoring tasks, including validation of balancing/settlement, variance investigation, and signing off on reconciliations.

• Analyze transaction trends and volumes, pinpoint exception/contact drivers, and suggest process enhancements.

• Prepare and/or approve General Ledger adjustments within the specific limits of the role.

• Act as the primary point of contact for Tier II Deposit Operations phone support, delivering troubleshooting and issue triage.

• Evaluate Tier II support trends and propose improvements through updated procedures, job aids, and upstream resolutions.

• Review risk trends and control effectiveness, recommending necessary corrective measures.

• Provide analytical support for escalations, including identifying root causes and suggesting solutions.

• Share insights, reports, and best practices with colleagues and leadership; engage in cross-functional collaborations.

• Participate in initiatives aimed at service and process improvements.

• Assist with special projects and implementation of new procedures, controls, or technologies.

• Adhere to bank policies, audit standards, regulatory requirements, and complete necessary compliance training.

• Carry out other duties as assigned.

⛳️ Requirements

• High School Diploma is required; a Bachelor’s Degree is preferred.

• National Check Professional (NCP) accreditation is preferred.

• At least 3 years of experience in bank operations is required; 5 or more years of experience is preferred.

• Previous experience in item/check/payment processing is preferred.

• Proven problem-solving abilities with a knack for identifying trends, recommending systemic fixes, and supporting preventive measures.

• Strong understanding of applicable regulations; capability to recognize potential compliance concerns and assist with regulatory analysis, examinations, and reporting.

• Functional knowledge and comprehension of accounting concepts and processes are preferred.

• Experience in a fast-paced, deadline-oriented environment.

• Proficiency in PC software tools for reports, audits, and analysis.

• Ability to foster positive working relationships and collaborate effectively across the organization.

• Must be able to work with minimal supervision.

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

• Exceptional verbal, written, and interpersonal communication skills.

• Strong organizational abilities and meticulous attention to detail.

• Excellent problem-solving and time management skills.

• Self-motivated, self-directed, and results-driven.

• Adaptable and capable of multitasking in a dynamic environment.

• Ability to work independently as well as within a team; solution-oriented with a collaborative mindset.

🏝️ Benefits

• Comprehensive health, dental, and vision plans.

• 4 weeks of Paid Time Off (PTO).

• 401(k) plan with company matching.

• Metro SmartTrip benefits ($50/month).

• Remote or hybrid work schedules (4 days in-office) for most positions.

• Incentives for purchasing solar panels, electric vehicles, biking to work, and more.

• Paid subscriptions to Veterans Compost, Capital Bikeshare, Imperfect Foods reimbursement, and additional benefits!

• Recognized as a Top Workplace by The Washington Post for four consecutive years (2023-2026).