Deposit Operations Representative I

Georgia's Own; Atlanta, Northern (GA, KY); Hybrid; USD 36,000 - 48,000; Full time

Benefits offered by this job

Flexible hybrid work arrangement

Job summary

Georgia’s Own Credit Union is seeking a Deposit Operations Representative I to handle deposits and payments received by mail, audit new account forms, and manage interoffice mail and daily verifications of deposits. You will support branches and members with Special Account requests and compliance tasks.

Responsibilities include processing daily funding, ACH returns, VODs, and assisting with fraud processes while maintaining high customer service standards and accuracy in documentation.

Qualifications

• High School Diploma or Equivalent.
• 1 year of work experience in the credit union or banking field.
• Minimum six months Georgia’s Own experience.

Responsibilities

• Process deposits and payments received in the mail.
• Audit new account forms and daily interoffice mail.
• Provide information concerning NCUA share insurance coverage.
• Process New Account Funding Daily and return ACH transactions.
• Process daily audit of new account forms and barcode New Account/IRA forms.
• Process all Verification of Deposits including SSI verifications.
• Assist staff regarding documentation and identification requirements.
• Meet individual new account and developmental goals and cross-functional duties as assigned.
• Comply with policies and regulatory requirements including BSA/Patriot Act and robbery procedures.
• Review and advise on Special Account requests.
• Assist Fraud department with Payrailz credits and mailing claim letters.

Skills

Customer Service

Communication

Analytical Thinking

Integrity

Credit Terminology

Technology Literacy

Education

High School Diploma or Equivalent

Job description

SUMMARY

The Deposit Operations Representative I is responsible for processing deposits and payments received in the mail, auditing new account forms, daily sent interoffice mail, processing VODs, and monitoring inquiries sent to the Deposit Services email. Additional duties may be assigned including decisioning Special Account requests from branches and members.

BENEFITS

• flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work.
• We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Process deposits and payments received in the mail.
• Process returned checks from Payments department.
• Provide information concerning NCUA share insurance coverage.
• Process New Account Funding Daily and return ACH transactions.
• Performs the daily audit of new account forms sent interoffice mail.
• Barcode New Account and IRA Forms.
• Processes all Verification of Deposits including SSI verifications.
• Aid staff regarding documentation and identification requirements.
• Meet individual new account and developmental goals and cross functional duties as assigned.
• Comply with policies and procedures and understand changes in regulatory requirements, with particular attention to the Bank Secrecy Act, Patriot Act, and with robbery procedures.
• Review and advise on Special Account requests.
• Assist the Fraud department in posting Payrailz credits and mailing claim letters.
• Other duties as assigned.

EDUCATIONAL AND WORK EXPERIENCE REQUIREMENTS

High School Diploma or Equivalent. One years’ work experience in the credit union or banking field. Minimum of six months Georgia’s Own experience.

ADDITIONAL/IMPORTANT SKILLSETS

• Must possess a basic understanding of credit report terminology and scoring.
• Excellent Customer Service Skills.
• Use of PC and other forms of technology used to gather and process member information.
• Excellent verbal and written communication skills.
• Must possess a high degree of integrity and trust along with the ability to work independently.
• Ability to deal with member reaction in adverse situations.
• Ability to communicate with members and others at all levels of the Credit Union, in both written and verbal formats.
• Knowledge of current industry offers, market trends, competitors, and Credit Union member service policies and procedures.
• Demonstrates analytical thinking, problem solving, decision making, and judgment by gathering and applying relevant data to research and resolve issues.

PHYSICAL REQUIREMENTS

To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation. Employee will be in an office environment (well-lighted, heated, and air-conditioned) typically stationed at a desk or table. Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs. Clerical office duties on various forms of technology are required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the Credit Union’s policies and procedures related to the SAFE ACT. This includes an obligation on the employee’s part to ensure that NMLA registration pertaining to the SAFE ACT is kept current. The employee must notify the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry.

EEO/EOE

Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law. Consistent with obligations under federal law, every company that is a federal contractor or subcontractor is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans. We are an equal opportunity employer. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class. Georgia’s Own Credit Union named to 2025 Top Workplaces USA list Georgia’s Own Credit Union is proud to be named to the 2025 Top Workplaces USA list. Organizations must receive at least a 35% response rate on their employee engagement surveys to be considered for the Top Workplaces award from Energage. Questions range from employees’ experiences with work-life balance and their overall well-being to communication, innovation, and values within the organization. As a full-service, not-for-profit financial institution, serving our members, giving back to our communities, and cultivating our employees is at the heart of what we do. That includes providing a flexible, innovative, engaging, and progressive work environment - just to name a few. We had an impressive participation rate of 75% in the employee engagement survey. Below is what some of our incredible employees have to say about working for Georgia’s Own: “In my work, I can be very flexible with my schedule, and I feel like I can contribute to the overall success of the company.” “Georgia’s Own is truly a fabulous place to work. I love my job because regardless of what area, everyone is focused on ensuring that our members have what they need to succeed. And that’s a good mission!” “I can contribute to the greater cause of providing our community with financial assistance to meet the dreams and needs of their families.” “I love the people that I work with and the vision behind who Georgia’s Own is and continues to be. I love being a part of an organization that cares for the community, starting with their very own employees and members.” We’re honored to be included among some of the most highly regarded organizations in the nation. This award would not have been possible without our extraordinary employees who work hand-in-hand to ensure our mission of Banking on Purpose remains the foundation of our work. Banking on Purpose While many things have changed throughout our long history as a credit union, acting with purpose - whether it’s serving our members, giving back to our communities, or cultivating our employees - has remained the foundation of what we do. Banking on Purpose explains our character and motivation. It drives our decision-making, and is the underlying reason why people should choose us as an employer and financial institution. Banking on Purpose is not just a tagline - it is our mission and vision, both internally and externally. EEO/EOE Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of actual or perceived age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any other characteristics protected by applicable federal, state, or local laws. Consistent with obligations under federal law, Georgia’s Own is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans.