Commercial Deposit Onboarding & Compliance Expert

Heritage Bank - Greater Cincinnati; Burlington (KY); On-site; USD 65,000 - 90,000; Full time

Job summary

Heritage Bank - Greater Cincinnati is seeking a Commercial Deposit Account Onboarding Specialist to lead the accurate and compliant onboarding of commercial, municipal, and nonprofit deposit relationships. You will ensure timely account setup, complete documentation, regulatory compliance, and a high-quality onboarding experience for clients and internal partners.

The role involves coordinating end-to-end onboarding, reviewing documentation for accuracy, and partnering with Relationship Managers

Qualifications

• 3+ years of experience in Deposit Operations, Commercial Banking Support, or Treasury Services.
• Working knowledge of commercial account documentation and ownership structures.
• Strong understanding of BSA/AML, CDD, Beneficial Ownership, and OFAC requirements.
• High attention to detail with the ability to manage multiple onboarding requests.
• Strong written and verbal communication skills.
• Strong organizational, problem-solving, and time management skills.
• Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint); experience with banking systems and CRM tools (e.g., Salesforce) is a plus.

Responsibilities

• Coordinate end-to-end onboarding of commercial deposit accounts (DDA, MMDA, savings).
• Review account documentation for accuracy, completeness, and policy compliance.
• Partner with Commercial Relationship Managers and Treasury Management on account and service setup.
• Ensure all electronic payments are moved in an expeditious and accurate manner from previous institution to Heritage.
• Cross sell additional products including HSA accounts, merchant processing, credit cards, and treasury products.
• Compliance will be recognized as part of the period performance review; noncompliance may result in disciplinary action, up to and including termination of employment.
• Performs other related duties as assigned.

Skills

Communication skills

Attention to detail

Organizational skills

Time management

Problem solving

Tools

Microsoft Office

Salesforce

Banking systems

Job description

Heritage Bank - Greater Cincinnati is seeking a Commercial Deposit Account Onboarding Specialist to lead the accurate and compliant onboarding of commercial, municipal, and nonprofit deposit relationships. You will ensure timely account setup, complete documentation, regulatory compliance, and a high-quality onboarding experience for clients and internal partners.

The role involves coordinating end-to-end onboarding, reviewing documentation for accuracy, and partnering with Relationship Managers