AVP/Retail Operations Officer

The Harbor Bank; Baltimore, Northern (MD, KY); Hybrid; USD 70,000 - 95,000; Full time

Job summary

The Harbor Bank is seeking an AVP/Retail Operations Officer in Baltimore, MD. This professional will oversee efficient branch operations, ensure compliance with policies and procedures, and guide staff to achieve operational excellence.

Responsibilities include audits, regulatory adherence, cash settlement review, and collaboration with IT/compliance teams. A senior role with strong leadership and risk-management skills is required.

Qualifications

• High School Diploma or GED required; college degree preferred or equivalent experience.
• Minimum five years of experience in a retail banking environment with supervision.
• Strong knowledge of banking regulations and fraud prevention practices.

Responsibilities

• Oversee branch operations and ensure policy compliance across the region.
• Review and update branch policies and procedures; support document reviews for accounts.
• Ensure quarterly branch audits are performed and findings addressed.
• Monitor daily cash settlement, deposit maintenance, and reporting.
• Coordinate training and development for branch personnel; participate in meetings.

Skills

Interpersonal skills

Supervisory experience

Communication skills

Education

High School Diploma or GED

Bachelor’s degree preferred

Tools

Horizon banking platform

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

AVP/Retail Operations Officer

Full Time Professional Baltimore, MD, US

4 days ago Requisition ID: 1147

Salary Range: $70,000.00 To $95,000.00 Annually

Job Title: AVP/Retail Operations Officer

Reports To: GVP/Retail Strategy & Performance Officer

Department: Branch Administration

Type/Status: Full-Time/Exempt

Position Overview:

• In partnership with the GVP/Retail Strategy & Performance Officer, will be responsible for the efficient, effective operations of the branch offices within the region. Provide the appropriate guidance to ensure that branch employees understand and operate within the bank’s established policies and procedures.
• Identify, monitor, and control potential operational losses arising from the branch. Oversee and adheres requirements pertaining to branch security, fraud prevention and BSA.

Key Responsibilities:

• Keep abreast of all government regulations and new developments as it pertains to the branch network.
• Review, update and develop branch policies and procedures.
• Assist Branch Management with decisions as it pertains to reviewing documents pertaining to opening accounts, closing accounts and the collection of outstanding account deficits.
• Ensure that quarterly branch audits are performed, and findings addressed immediately.
• Review the branch’s daily cash settlement for compliance and update when needed.
• Review of daily reports outlined in the Bank’s Report Schedule.
• Update and maintain the Bank’s Deposit (BCR’S) Bank Control Records.
• Update Deposit interest rates monthly.
• Complete and submit monthly Branch Administration Board Reports.
• Ensure that the branch personnel are trained and stay abreast of operational and technological updates by utilizing current resources and by identifying other options if needed.
• Attend monthly IT and Compliance committee meetings and various project meetings.
• Participate in professional associations, conferences, and seminars.
• Partner with the GVP to coach, train, and assist branch personnel as needed.
• Manage the Bank’s efforts to collect delinquent retail accounts as it relates to depository relationships.
• Assist if needed with bank vendor’s e.g., Deluxe, Brinks, FIS, Advent, TruStage, and ChexSystems.
• Review Deposit Account Maintenance File of customer/account changes made by branch personnel.
• Review New Account Exceptions and CIP packets uploading within Horizon.
• Manage weekly branch schedule, approve PTO/Sick time off request, observe and coach branch leadership, provide recap of branch observations.
• Comply with all federal and state regulations and rules impacting this position, meet all risk and compliance obligations, including the completion of required training.

Skills and Abilities Required:

• A high level of interpersonal skills to communicate policies, procedures, and objectives effectively throughout the bank and to represent the bank positively in significant external events.
• Qualifications:
• Required:
• A High School Diploma or GED equivalent is required; College degree preferred or equivalent work experience.
• Requires a minimum of five years’ experience in a retail banking environment; experience must
• have included at least five years of supervision in banking, lending,
• Must have excellent supervisory and business development skills, as well as strong knowledge of various regulations governing the financial services industry. Requires excellent organizational, verbal, and written communication skills, as well as attention to detail. Must be highly motivated and can maintain confidentiality.

Preferred:

• Bachelor’s degree in Business Administration, Finance, Banking, or a related field.
• 7+ years of progressive experience in retail banking, including multi-branch operations management and staff supervision.
• Prior experience in retail operations oversight, including branch audits, regulatory compliance, and vendor management.
• Professional certifications such as:
• Strong understanding of Bank Secrecy Act (BSA), Anti-Money Laundering (AML) regulations, and fraud prevention practices in a financial institution.
• Experience in process improvement initiatives and implementing operational efficiency strategies across multiple branch locations.
• PMP or equivalent experience with project execution.