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Harford Bank · 7 hours ago

Experienced Deposit Operations Representative

Aberdeen Office - Aberdeen, MD 21001

Full-time

Onsite

Mid Level

$19/hr - $26/hr

4+ years exp

Harford Bank is a community-focused bank that prides itself on ethical practices and customer satisfaction. The Experienced Deposit Operations Representative will be responsible for a variety of Deposit Operations duties, including IRA processing, account maintenance, and customer service, while also supporting management and training staff.

BankingFinancial Services

Responsibilities

Responsible for embracing and supporting Harford Bank’s Core Values and Vision

Assist management with projects, high level problem solving, maintaining procedural updates, and extensive and thorough training of all current and incoming staff on their assigned responsibilities

Identify and resolve problems that have high level customer or regulatory impact; serve as a senior level resource for team members by assisting with questions and providing guidance

Provides support to the various business units throughout the bank as it relates to the set-up and servicing of the bank’s customers utilizing Positive Pay, ACH Origination, and Digital One Online Banking

Perform daily processing of wire transfers to include document preparation, call back procedures, OFAC screening, data input/verification, account posting, and customer notification

May monitor and maintain the Bank’s daily cash position with the Federal Reserve Bank and all other correspondent bank accounts

Maintain and monitor customer dormant accounts, to include the annual escheatment process

Verify, correct, submit, and confirm all Harford Bank Currency Transaction Reports with FinCEN in concert with the Bank’s BSA Officer

Verify and track new customers and accounts to ensure collection of all required information and documentation as part of the Bank’s Customer Identification Program (CIP)

Maintain image databases for storage of new account documentation, customer IDs, department reports, and all other general record retention

Identify and action suspicious transactions, such as check forgeries/alterations and fraudulent EFT activity, by applying analytical skills, utilizing anti-fraud software, and dutifully following procedures

Correct and process daily exception items

Maintain online banking and debit card profiles

Process and respond to asset verifications, levies, garnishments, subpoenas, summons, and liens

Process account maintenance

Reconcile various general ledger and transaction activity statements, such as Cash, EFT, Items Processing, ACH Clearing, Federal Reserve, Correspondent Banks, and other internal clearing accounts

Complete annual 1099 tax reporting review including the investigation of errors and making appropriate corrections to customers and bank

May perform maintenance and support of the Bank’s Certificate of Deposit and IRA products

Provide a superior customer experience by responding to all customer inquiries in a timely fashion, providing clear and concise information in a friendly and professional manner by all channels, including telephone, mail, and online messaging

Maintain a thorough knowledge of all bank services and departments to properly direct customer inquiries to the area best suited to meet their needs

Demonstrate a complete understanding of the Bank Secrecy Act and Harford Bank security procedures

Maintain security of customer information and adhere to the Privacy Policy

Complete and comprehend all required compliance training

Demonstrate a professional image and adhere to the Bank’s dress code

Qualification

Deposit Operations experienceChecksACHsWires knowledgeMicrosoft Excel proficiencyCustomer service skillsProblem-solving abilitiesInterpersonal skillsVerbal communication skillsWritten communication skillsSelf-starter

Required

High school or equivalent; college business courses beneficial

A minimum of two years working in Deposit Operations

A minimum of four years working in a banking environment

Exceptional customer service skills required

Strong level of understanding of Checks, ACHs, Wires, Cards, and Cash transactions

Computer skills to include intermediate knowledge of Microsoft Excel and Word and the aptitude to work within multiple systems

Exceptional understanding and demonstration of listening skills and problem-solving abilities

Self-starter, mindful of deadlines and follow through

Strong interpersonal skills

Strong verbal and written communication skills to include phone, email, and professionally written correspondence with customers, vendors, and institutions

Responsible for understanding the Bank's BSA/AML Policy, including satisfactory completion of required annual BSA/AML training as applicable to position and appropriately applying this knowledge to daily activities and responsibilities, specifically understanding that any suspicious activity must be reported to the BSA Officer immediately

Successful completion of background and credit check are required