Deposit Operations Representative

Firstdakota; Yankton (SD); On-site; USD 36,000 - 48,000; Full time

Job summary

First Dakota National Bank in Yankton, SD seeks a Deposit Operations Representative to deliver exceptional customer service while handling deposits, ACH, wire transfers, and related operations.

You will maintain core banking knowledge, process daily tasks, and ensure compliance with regulatory requirements and bank policies.

This role offers a daytime schedule, with growth opportunities within the Deposit Operations team, and a collaborative, customer-focused environment.

Qualifications

• High school diploma or GED required; 1–3 months of relevant customer service experience.
• Ability to process deposits, ACH, wire transfers, and digital banking tasks.
• Strong confidentiality, compliance awareness, and accuracy in a fast-paced environment.

Responsibilities

• Understand core banking apps and deposit, digital banking, ACH, wire transfer, and card processing.
• Process domestic and international wire transfers accurately and timely.
• Support employees with wire transfer requests from customers.
• Handle ACH files and maintain regulatory compliance.
• Perform daily deposit operations and reconcile activities.
• Provide great customer service while safeguarding confidential information.
• Maintain attendance and participate in meetings and training.

Skills

Customer service

Attention to detail

Regulatory compliance

Teamwork

Communication

Education

High school diploma or GED

Tools

Core Banking Software

Wire Transfer Platforms

Job description

Join Our Team

Why do I enjoy working at First Dakota? Plain and simple, it is the best bank in the region. I have worked for a number of banks in my 39-year banking career and all I can say is that I wish I had found First Dakota earlier. Management is supportive and forward thinking and the entire staff across all areas of the bank is amazing. In my role I have come to know a large majority of our employees and they are a joy to work with and truly care for each other. There is no "greener grass" in the banking industry than First Dakota National Bank. You can easily make a career here. Kevin W. employed since 2007

The core value that stands out to me is Integrity. First Dakota is made up of MANY employees who all seem to have similar morals, work ethics, and goals. Our main goal is to serve our customers in the best way we can at First Dakota, and it truly takes accountability, honesty, respect, and selflessness from each and every one of us to achieve this in the capacity that we do. Katelyn L. employed since 2023

I enjoy working at First Dakota because of the company to promote, train, and educate me throughout my career. The friendships you make at work, the ability to support our community, and the flexible working environment. Kathy G. employed since 1999

My advice to a someone looking at joining the team is choose a job you love, and you will never have to work a day in your life. (I can't take credit for the quote, something that I had heard at some point.) Ed B. employed since 2016

I enjoy the open houses every December. Being in the lobby during those times are my absolute favorite. Madison B. employed since 2021

We understand that the heart of our community is the people we serve, and we're looking for individuals who share our vision. Our customers' financial choices are driven by their dreams for the future—help us turn those dreams into reality! If you are committed to serving others and doing so with excellence, we want you on our team. Explore our open positions today.

Position:Deposit Operations Representative

Location: Yankton, SD

Job Id:362

# of Openings:1

Deposit Operations Representative - Yankton

First Dakota is looking for a Deposit Operations Representative to join our Yankton team! This person provides exceptional customer service while supporting internal and external customers through accurate, timely, and secure deposit and payment operations. Maintain a comprehensive understanding of core banking applications, deposit products, digital banking services, ACH processing, and domestic and international wire transfers. Perform daily operational processing, research and resolve customer issues, protect confidential information, and work within regulatory requirements, Bank policies, and established risk controls. The hours are Monday - Friday 8:00 AM to 5:00 PM.

Duties

• Possess a working knowledge of the Core Banking Application and related deposit, digital banking, ACH, wire transfer, and card processing platforms.
• Prepare, enter, review, and process incoming and outgoing domestic and international wire transfers accurately and timely.
• Provide support and guidance to employees taking wire transfer requests from customers.
• Process incoming and outgoing ACH files and understand regulatory requirements related to ACH, wire transfers, and other deposit and payment services.
• Work within Deposit Operations, Cash Management, and Digital Banking guidelines to reduce risk and ensure compliance.
• Assist with the review, monitoring, and mitigation of operational and payment risks to minimize losses.
• Provide support to internal and external customers using Digital Banking, Bill Pay, e-statements, online applications, Mobile Deposit, and other eBanking products as appropriate.
• Complete daily Deposit Services duties, including Check 21 returns, large item notices, returned statements, Digital Banking and Bill Pay processes, ATM/check card maintenance and balancing, digital account opening funding, holds, unposted items, NSF items, deposit maintenance, and customer service calls.
• Complete item processing duties, including inclearings, RDC/RDA, adjustments, and returns.
• Pull required reports and complete monthly reconciliations.
• Research and resolve customer issues, acting as a liaison between Bank departments when necessary.
• Share responsibility for internal customer call volume and assist with inbound external customer calls as needed.
• Act in accordance with First Dakota Phone Standards and Digital Conversation Standards to provide exceptional customer service with every interaction.
• Adhere to policies and procedures for the appropriate resolution of customer complaints.
• Demonstrate effective decision-making when determining corrections, fee waivers, and refunds using appropriate solutions to meet customer needs.
• Maintain strict customer confidentiality and follow established security protocols.
• Inform management of irregular or recurring issues and suggest process improvements.
• Attend and come prepared to meetings and developmental training as necessary.
• Maintain consistent and punctual attendance.
• Other duties as assigned.

Qualifications

Attributes include a positive attitude and strong work ethic. Must demonstrate excellent time management skills and the ability to manage a strong workload in a fast-paced, high-stakes environment. Ability to process a variety of tasks accurately and efficiently with a high level of technical precision. Must maintain strict confidentiality, comply with all Bank policies and procedures, and exhibit strong attention to detail. A solid understanding of regulatory compliance and risk awareness is essential to ensure safe and accurate processing. Communicates effectively with various types of clientele, co-workers, and departments to resolve a wide range of needs. Strong organizational skills, punctuality, and the ability to work well in a team environment are required.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements are representative of the knowledge, skills, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience

High school diploma or general education degree (GED);One to three months of customer service, related operations experience, and/or training;OR an equivalent combination of education and experience.

Office: The work environment of this job includes interacting with others in an office setting, and the noise level is usually moderate.

Physical Demands

Medium: The physical demands of this job include bending, sitting, and occasionally lifting up to 25 pounds with or without reasonable accommodation.

Requirements of All Employees

To perform the job successfully, an individual should demonstrate the following:

Adaptability - Adapts to changes in the work environment
Attendance/Punctuality - Is consistently at work and on time; Arrives at meetings and appointments on time
Career Apparel - Adheres to the Career Apparel policy; Demonstrates professional appearance during Bank hours or at after-hours Bank functions
Customer Service - Responds promptly to customer needs including requests for service and assistance; Provide courteous, personal attention to promote ongoing relationship servicing with customers
Dependability - Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Completes tasks on time or notifies appropriate person with an alternate plan
Design - Demonstrates attention to detail
Initiative - Looks for and takes advantage of opportunities; Asks for and offers help when needed
Innovation - Shares suggestions for improving work
Interpersonal - Maintains confidentiality; Remains open to others' ideas and tries new things
Judgment - Exhibits sound and accurate judgment
Motivation - Measures self against standard of excellence
Communication - Listens and gets clarification; Responds well to questions; Participates in meetings; Writes clearly and informatively; Able to read and interpret written information
Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports and upholds organizational goals and values
Planning/Organizing - Uses time efficiently; Completes work in a timely manner
Problem Solving - Identifies and resolves problems in a timely manner
Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration; Accepts responsibility for own actions; Inspires the trust of others; Works with integrity and ethically
Quality - Demonstrates accuracy and thoroughness; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality
Safety/Security - Observes safety and security procedures; Reports potentially unsafe conditions; Uses equipment and materials properly
Team Work - Gives and welcomes feedback; Contributes to building a positive team spirit
Technical Skills – Understands basic computer software programs; Strives to continuously build knowledge and skills; Shares expertise with others

Career Growth

This position has the potential growth to Senior or Manager based on years of experience and proficiency.

Questions? Please contact our Human Resources Department.

We uphold our core values and mission for our employees, customers, and shareholders. We are an Affliative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, citizenship, disability or protected veteran status. EEO is the law.