Deposit Operations Associate

The First National Bank of Elmer; Elmer (NJ); On-site; USD 38,000 - 48,000; Full time

Benefits offered by this job

Health benefits

Dental benefits

Vision benefits

401K plan

Job summary

The First National Bank of Elmer is seeking a detail-oriented Banking Operations Associate to support daily processing, reconciliations, and customer-facing tasks in our Elmer, NJ branch. You will handle check processing, ACH, wires, and document review while maintaining accuracy and regulatory compliance.

Ideal candidates have a high school diploma, banking exposure, and proficiency with Microsoft Office; strong communication and organization are essential to thrive in a fast-paced environment.

Qualifications

• High school diploma or equivalent.
• Banking experience preferred.
• Experience with Microsoft Office Suite (Outlook, Word, Excel, etc.)

Responsibilities

• Process unposted and NSF items.
• Reconcile inclearing, transit, and savings bonds.
• Research deposit corrections and branch reconcilement differences.
• Print and mail daily account notices, interest checks, and IRA Distributions.
• Process returned deposited items and create Image Replacement Documents (IRD’s).
• Review, process and reconcile all ACH transactions and files, including International ACH transactions (IATs)
• Process check and ACH returns.
• Process charge-offs of overdrawn accounts.
• Review stop payments, transfer agreements, and extended holds.
• Process incoming and outgoing wires.
• Assist with subpoenas and levies.
• Research requests.
• Review checks for irregularities and verify maker signatures for authenticity.
• Assist with the annual escheatment of deposit accounts and negotiable items.
• New account verification, compliance with CIP, IRA document review, and reporting of new account exceptions.
• Review and log returned mail.
• Process credit reference requests and Asset Verification Notifications from Medicare and SSI.
• Debit/ATM card issuance, dispute processing, hot carding, and daily reconcilement.
• Process online banking enrollments and password resets.
• Review Mobile and Merchant Capture deposits.
• Assist with online bill pay, Zelle, and instant payment issues.
• Process enrollments and perform administrative functions for electronic banking services.
• Compliance with the Bank Secrecy Act, OFAC and USA PATRIOT Act (including but not limited to) Customer Identification Program, customer due diligence, identifying red flags and reporting unusual activities to the BSA Department.

Skills

Strong communication

Prioritize tasks

Work independently

Team collaboration

Detail oriented

Knowledge of banking regulations

Professional demeanor

Education

High school diploma or equivalent

Tools

Microsoft Office Suite

Job description

ESSENTIAL FUNCTIONS

• Process unposted and NSF items.
• Reconcile inclearing, transit, and savings bonds.
• Research deposit corrections and branch reconcilement differences.
• Print and mail daily account notices, interest checks, and IRA Distributions.
• Process returned deposited items and create Image Replacement Documents (IRD’s).
• Review, process and reconcile all ACH transactions and files, including International ACH transactions (IATs)
• Process check and ACH returns.
• Process charge-offs of overdrawn accounts.
• Review stop payments, transfer agreements, and extended holds.
• Process incoming and outgoing wires.
• Assist with subpoenas and levies.
• Research requests.
• Review checks for irregularities and verify maker signatures for authenticity.
• Assist with the annual escheatment of deposit accounts and negotiable items.
• New account verification, compliance with CIP, IRA document review, and reporting of new account exceptions.
• Review and log returned mail.
• Process credit reference requests and Asset Verification Notifications from Medicare and SSI.
• Debit/ATM card issuance, dispute processing, hot carding, and daily reconcilement.
• Process online banking enrollments and password resets.
• Review Mobile and Merchant Capture deposits.
• Assist with online bill pay, Zelle, and instant payment issues.
• Process enrollments and perform administrative functions for electronic banking services.
• Compliance with the Bank Secrecy Act, OFAC and USA PATRIOT Act (including but not limited to) Customer Identification Program, customer due diligence, identifying red flags and reporting unusual activities to the BSA Department.

EDUCATION & EXPERIENCE

• High school diploma or equivalent.
• Banking experience preferred.
• Experience with Microsoft Office Suite (Outlook, Word, Excel, etc.)

KNOWLEDGE, SKILLS & ABILITIES

• Strong written and verbal communication skills .
• Ability to prioritize tasks, meet deadlines, and function in a fast-paced environment.
• Ability to work independently and participate in team assignments.
• Organizational skills and ability to focus on details.
• Knowledge of banking rules and regulations, policies, and procedures.
• Maintain a pleasant, professional attitude to co-workers and customers.

Benefits Include:

• Health, dental, and vision benefits
• 401K with employer safe harbor contribution
• Holidays off with pay
• Paid Vacation Time
• Paid Sick Time
• Employee Assistance Program (EAP)
• Flexible Spending Account (FSA)
• Health Reimbursement Account (HRA)
• Long Term Disability
• Tuition Assistance

Why Join Our Team?

Join a team that values accuracy, integrity, and exceptional service. You’ll gain strong communication, problem-solving, and banking skills—setting the foundation for long-term growth in the financial industry.