Check Processing Specialist

SEAMEN'S BANK; Truro; On-site; GBP 25,000 - 35,000; Full time

Job summary

A leading community bank seeks a Check Processing Specialist responsible for identifying and preventing fraudulent activities while handling check adjustments and mobile deposits. The role requires solid banking experience, an Associate Degree, and strong analytical skills to ensure compliance and support daily operations.

Qualifications

• 2-4 years of banking experience or training preferred.
• Experience with check imaging systems and fraud detection recommended.
• Familiarity with anti-fraud procedures and check processing rules valuable.

Responsibilities

• Reviews teller and check items for fraudulent activity.
• Processes mobile deposits and deposit return items.
• Assists in reconciling daily cash letter and error resolutions.

Skills

Attention to detail

Communication skills

Mathematical skills

Organizational skills

Fraud detection

Ability to multi-task

Education

Associate Degree or higher

Tools

Microsoft Office (Word, Excel)

Job description

Because Seamen’s Bank remains a relatively small Community Bank, it is expected that all employees will contribute above and beyond the duties that are listed in any “job description” or “posting.” In addition to the duties listed below, all employees are expected to perform any function necessary within the scope of expertise and authority to provide the highest level of customer service and to increase the productivity of the Bank. It is expected that all employees will continually strive to improve, by educational resources made available, especially in regard to security and compliance procedures.
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Summary: The Check Processing Specialist is responsible for examining teller and in-clearing check items to identify, investigate, and prevent fraudulent check activity. Their key responsibility is also to process check adjustments, mobile deposits, and deposit return items. Also assists with other Deposit Operations duties.

Essential Duties and Responsibilities may include but are not limited to the following:
• Uses fraud-oriented tools to review potentially fraudulent check items
• Examines and approves/denies customer mobile deposits
• Collaborates with branch staff to resolve potential fraudulent activity
• Records data on check fraud, including amounts, types, and channels
• Processes deposit return items
• Works with Error Resolution Specialists to resolve check adjustments
• Assists in reconciling daily cash letter and teller capture items, investigates and resolves errors
• Additional backup duties that may overlap with other Operations staff, including but not limited to:

• Transaction research
• Asset verification and credit requests
• Process incoming and outgoing wire transfers
• Error resolution for teller posting errors
• Mail deposits, general mail correspondence
• Verifies customer and account maintenance forms
• Organizes and maintains file system; files correspondence and other records
• Assists customers with basic eBanking needs such as password resets
• Ensures compliance with all Bank policies and procedures, as well as applicable state and federal banking regulations including but not limited to: BSA and OFAC requirements, Regulation CC, Regulation E, Regulation GG, and ACH Rules

Qualifications and/or Educational Experience: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• An Associate Degree or higher, with 2-4 years of banking experience or training; or the equivalent combination of education and experience
• Experience with check imaging systems, fraud detection, and account reconciliation preferred• Familiarity with check processing, MICR encoding, and endorsement rules
• Ability to spot patterns and anomalies in check activity
• Requisite mathematical and communication skills (verbal and written), reasoning ability, discretion, and organizational skills expected of Operations staff
• Strong computer skills, including Microsoft Office products (Word, Excel)
• Attention to detail
• Ability to multi-task
• Ability to assist branch staff and customers in a friendly and knowledgeable manner
• Ability to exercise good judgement within guidelines

Supervisory Responsibilities: This job has no supervisory responsibilities.

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee must have the ability to remain at a computer for long periods of time.

AAP/EEO STATEMENT: Seamen’s Bank is committed to a firm policy in favor of equal employment opportunity and will abide by all applicable state and federal regulations by not discriminating against any applicant or employee on the basis of race, religion, color, creed, sex, age, national origin, citizenship status, marital status, sexual orientation, gender identity and expression, disability or veteran status.

Our commitment to equal employment opportunities shall include employment, upgrading, promotion, demotion, transfer, leaves or other absences from work, layoff, compensation and benefits, selection for training or other education, professional opportunities and conflict resolution.

It is also the policy of Seamen’s Bank to take affirmative action to employ and to advance in employment, all persons regardless of their status as woman, minority or individuals with disabilities or protected veterans, and to base all employment decisions only on valid job requirements. Please inform us of any necessary accommodations required during the application process and/or at any time during employment.