Deposit Operations Representative

austincapitalbank; Austin (TX); On-site; USD 42,000 - 62,000; Full time

Benefits offered by this job

Health insurance

Paid time off 16–30 days

Paid holidays

401(k) with company match

Monthly chair massages

Job summary

Austin Capital Bank in Austin, Texas is seeking a detail-oriented Operations Specialist to support daily banking processes. You will handle ACH, wires, account maintenance, reconciliations, and reporting, ensuring accuracy and compliance.

Join a fast-growing, tech-forward team with competitive benefits and a stable, customer-focused environment. Onsite schedule 8:00 am to 5:00 pm, 3305 Steck Ave. Prior Jack Henry experience strongly preferred.

Qualifications

• Direct experience using Jack Henry core banking system is required.
• Strong attention to detail and accuracy in processing.
• Knowledge of banking operations, deposits, and transaction processing.
• Ability to manage multiple priorities and meet deadlines.
• Strong customer service and communication skills.

Responsibilities

• Process and support daily ACH, EIP, and wire transfer activities.
• Perform account maintenance and review customer account documentation for accuracy and completeness.
• Generate, review, and analyze operational and exception reports.
• Assist with balancing internal accounts, general ledger accounts, and other operational reconciliations.
• Prepare and distribute customer notices, correspondence, and required disclosures.
• Support online banking, bill pay, and cash management services for consumer and commercial customers.
• Research and resolve account discrepancies, transaction exceptions, and customer inquiries.
• Assist with transaction disputes, account investigations, and operational problem resolution.
• Open and maintain consumer and commercial deposit accounts in accordance with bank policies and procedures.
• Assist with bank audits, examinations, compliance requests, and internal reviews.
• Gather and provide documentation for formal complaints, subpoenas, and other legal or regulatory requests.
• Work directly with Jack Henry support and other third-party vendors to troubleshoot operations issues and system concerns.
• Perform interest adjustments, account corrections, and other maintenance activities as needed.
• Support the VP of Operations with operational projects, reporting, process improvements, and other assigned initiatives.
• Maintain a thorough understanding of bank policies, procedures, and regulatory requirements.
• Provide backup teller coverage and assist customers with deposits, withdrawals, payments, account inquiries, and other routine banking transactions as needed.
• Cross-train and collaborate with other departments to support overall branch and operational needs.
• Perform other duties as assigned.

Skills

Jack Henry core banking

Attention to detail

Customer service

Multitasking

Communication skills

Banking operations

Deposit operations

Reconciliations

Microsoft Office

Bilingual English/Spanish

Education

High school diploma

Tools

None

Job description

Company Overview:

Austin Capital Bank is a fast-growing, tech-forward community bank based in Austin, Texas. We're a nationwide leader in responsible financial innovation, offering both stability and growth. Our unique blend of banking and technology allows us to serve customers across the country with simple, reliable, and customer-friendly financial products.

As a company, we take pride in being approachable and attentive. Our team members are trusted problem solvers who deliver exceptional service and make a real impact on our customers' financial well-being. We've been recognized on the Inc. 5000 list of fastest-growing companies multiple years in a row—and we're just getting started.

Why You'll Love Working Here:

• 100% Employer-paid Medical, Dental, & Vision Insurance - Full coverage for employee-only plans, with affordable options to add your family.
• Generous Paid Time Off (PTO) - Start with 16 days per year and grow to 30 days as your tenure increases.
• Paid Holidays - 11+ paid holidays in a year so you can enjoy your time off.
• 401(k) with 4% Employer Match - Build your future with company-matched retirement savings.
• Monthly Chair Massages - Relax and recharge on us.
• Consistent Schedules & Work-Life Balance - No evenings, weekends, or weird hours-just the work-life balance of a normal human.
• Opportunities to Grow - Career development, tuition assistance, and the ability to explore roles across the bank.
• A Team That Feels Like a Team - Supportive coworkers, positive environment, and leadership that actually listens.

Our Core Values:

• Take Initiative- A bias to action
• No Big Egos- Self-confidence with humility
• Honesty- Respectful and direct forthright communication
• Wicked Smart- Intellectually and emotionally self-aware

If you're someone who is always ready to take initiative and isn't afraid to roll up their sleeves, you'll fit right in. We're big on humility here, cherishing honesty, and embracing emotional intelligence and self-awareness. At Austin Capital Bank, we're all about amplifying teamwork and basking in shared victories.

What You'll Do:

• Process and support daily ACH, EIP, and wire transfer activities.
• Perform account maintenance and review customer account documentation for accuracy and completeness.
• Generate, review, and analyze operational and exception reports.
• Assist with balancing internal accounts, general ledger accounts, and other operational reconciliations.
• Prepare and distribute customer notices, correspondence, and required disclosures.
• Support online banking, bill pay, and cash management services for consumer and commercial customers.
• Research and resolve account discrepancies, transaction exceptions, and customer inquiries.
• Assist with transaction disputes, account investigations, and operational problem resolution.
• Open and maintain consumer and commercial deposit accounts in accordance with bank policies and procedures.
• Assist with bank audits, examinations, compliance requests, and internal reviews.
• Gather and provide documentation for formal complaints, subpoenas, and other legal or regulatory requests.
• Work directly with Jack Henry support and other third-party vendors to troubleshoot operations issues and system concerns.
• Perform interest adjustments, account corrections, and other maintenance activities as needed.
• Support the VP of Operations with operational projects, reporting, process improvements, and other assigned initiatives.
• Maintain a thorough understanding of bank policies, procedures, and regulatory requirements.
• Provide backup teller coverage and assist customers with deposits, withdrawals, payments, account inquiries, and other routine banking transactions as needed.
• Cross-train and collaborate with other departments to support overall branch and operational needs.
• Perform other duties as assigned.

What You'll Bring:

To thrive in this role, you'll need to be friendly, detail-oriented, and dependable. We're looking for candidates who have:

• Direct experience using Jack Henry core banking system (required).
• Strong attention to detail and commitment to accuracy.
• Knowledge of banking operations, deposit accounts, and transaction processing.
• Ability to manage multiple priorities and meet deadlines.
• Strong customer service and communication skills.
• Ability to maintain confidentiality and exercise sound judgment.
• Proficiency with Microsoft Office products and banking software systems.
• Previous banking operations, deposit operations, or branch operations experience.
• Experience processing ACH transactions and wire transfers.
• Experience with account maintenance, reconciliations, and balancing general ledger accounts.
• Working knowledge of consumer and commercial deposit accounts.
• Online banking, cash management, or treasure management support experience.
• Experience supporting audits, examinations, or compliance reviews.
• Knowledge of banking regulations and operational controls.
• New account opening experience.
• Bilingual (English/Spanish).
• High school diploma or equivalent.

Other Details:

• Schedule: 8:00 am - 5:00 pm Monday - Friday
• Onsite: 3305 Steck Ave., Austin, Texas 78757