AVP Deposit Operations

North-Star-Bank; White Bear Lake (MN); On-site; USD 72,000 - 88,000; Full time

Benefits offered by this job

Medical, dental, and vision

401K with company match

Life/AD&D/LTD/STD

Paid vacation and holidays

Free checking and checks

Education benefit

Aflac voluntary plans

Job summary

North Star Bank is seeking an experienced AVP Deposit Operations in White Bear Lake, MN to lead and optimize the bank's deposit operations with a focus on risk management and accuracy across ACH, wires, checks, and digital channels.

You will partner with the VP Operations on technology implementations and drive process improvements, training, and documentation while ensuring regulatory compliance and exceptional customer service. This onsite role requires a strong banking operations background.

Qualifications

• Minimum 8+ years in bank operations with progressive responsibility.
• Experience with ACH, wires, checks, EIM, debit cards, digital payment channels.
• Core banking system experience; Fiserv Premier beneficial.
• Experience with Reg E disputes and fraud cases.
• Proficient in Microsoft Office (Outlook, Word, Excel).
• Accredited ACH Professional (AAP) and National Check Professional (NCP) certifications are a plus.

Responsibilities

• Oversee deposit operations with risk management focus.
• Collaborate with VP Operations on Fiserv implementations and initiatives.
• Develop and implement procedures for ACH and check processing and fraud claims.
• Lead and coach team; coordinate department tasks and projects.
• Maintain documentation and audit readiness; ensure regulatory compliance.
• Review improvements to increase efficiency, controls, and customer experience.

Skills

Customer service

Leadership

Problem solving

Time management

Communication

Cross-functional collaboration

Education

Associates or Bachelor's Degree

Tools

Microsoft Office

Job description

North Star Bank is an independent, locally owned community bank with a proud tradition of sound management and integrity. Established in 1947, we have been continuously committed to providing quality, customized banking service for personal and commercial financial needs. Whether it is assisting a newfound customer or cultivating the current relationship we provide banking solutions convenient for our customers that meets their needs. North Star Bank proudly reinvests in the neighborhoods in which you live in and continues to serve the community we’ve been part of for more than 75 years.
North Star Bank is looking for a talented and highly motivated Assistant Vice President Deposit Operations to join our team. The AVP Deposit Operations is a subject matter expert within deposit operations. Communicates with all pertinent parties on situations requiring escalation. Ensures a coordinated and consistent approach to risk management operations. Provides oversight into a variety of moderate and complex tasks and projects with regulatory, monetary, or potential reputational risks. Possesses the ability to step in and cover most departmental duties. Partners with the VP Operations on Fiserv technology projects and oversight/review of current documented operations procedures. Adheres to digital filing practices and retention standards. Enforces bank policies and risk mitigation strategies, applicable banking laws, rules, and regulations.
Major Accountabilities:

• Leverages expertise and product knowledge to achieve better results and to ensure efficient and accurate processing.
• Assists VP Operations with the coordination and evaluation of department which includes planning, directing work, coaching team members, addressing complaints and resolving problems.
• Partners with VP Operations on Fiserv technology implementations, projects, and deposit operations initiatives.
• Partner with VP Operations to review, recommend, and implement operational improvements that increase efficiency, strengthen controls, improve documentation, and enhance internal and external customer experience.
• Reviews, recommends, and implements new methods or workflows to increase the efficiency and effectiveness of daily operations.
• Aids in the prevention and reduction of losses through various bank supported digital payment channels
• Applies hands-on experience in processing and resolution of bank services not limited to ACH, wires, debit/ATM cards, checks, exception item handling, holds on accounts or specific items, remote and mobile deposits, account-servicing activities for DDA, SAV, and CDs, and digital payment channels
• Partners with deposit operations specialists on the following tasks and related processes: EIM (stop payments and non-posted items), CD renewal amendments, garnishments and levies, annual unclaimed property filing, ACH and check fraud, and general ledger reconciliation activities.

• Prepares procedures for processing of ACH and check fraud claims based on NCP and AAP certifications.

• Supports VP Operations with the implementation of compliance and regulatory changes affecting Deposit Operations processes and procedures.

Certifications Requested: Accredited ACH Professional (AAP) and National Check Professional (NCP).
This is not a remote position and is an onsite role base out of our White Bear Lake location.

Education and Special Requirements:

• Professional knowledge generally acquired through completing Associates and/or Bachelor’s Degree
• Bank operations and retail banking experience gained over 8+ years with progressive increased responsibility .
• ECCHO Rules for Check Education and Compliance
• Ability to demonstrate knowledge and business acumen in bank operations: ACH, wires, check processing, EIM (exception item processing), debit cards/ATM, digital payment channels, deposit account servicing, general ledger reconciliation.
• Experience working on a core banking system. Fiserv Premier core is beneficial.
• Experience working with Reg E disputes and fraud cases.
• Working knowledge of Microsoft Office Suite: Outlook, Microsoft Word, and Excel.
• Audit and examination experience in a bank environment is beneficial.

Skills, Abilities and What Qualities We Look For:

• Has positive energy, a strong work ethic, andd emonstrate highest standards of customer service and business professionalism in working with internal customers, external vendors, and all levels of the organization.
• Requires the use of sound business discretion, good judgment, possesses excellent strong problem-solving skills, manages multiple projects, prioritize tasks and efficiently managestime.
• Ability to learn new programs quickly and adapt to changing banking technology with ease.
• Demonstrate excellent leadership qualities and possess tactful interpersonal communication skills to effectively work well cross functionally with all departments and executives.

The base pay for this position starts at $80,000. This beginning base salary represents a good faith and reasonable estimate of the minimum base range of possible compensation at the time of posting. If an applicant possesses experience, education, or other qualifications more than the minimum requirements for this posting, that applicant is encouraged to apply, and a final salary range may then be based on those additional qualifications; compensation decisions are dependent on the facts and circumstances of each case. The salary of the finalist selected for this role will be based on a variety of factors, including but not limited to, years of experience, depth of experience, seniority, merit, education, training, and other relevant business considerations.
https://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf
https://www.dol.gov/whd/regs/compliance/posters/eppac.pdf
https://www.dol.gov/whd/regs/compliance/posters/fmeldan.pdf
Equal Opportunity Employer of Minorities, Females, Protected Veterans, and Individuals with Disabilities

North Star Bank offers a nice benefits package designed to meet the needs of our employees. Benefits include Medical, dental, health savings account (HSA), 401K & company match, Life/AD&D/Dependent Life ins., STD (Short Term Disability), LTD (Long Term Disability), vacation, sick days, holidays, free checking account & free checks, free safe deposit box, & education benefit. Aflac voluntary supplemental plans are available: Hospital coverage, accident, cancer, vision, & additional life ins.