Deposit Operations Representative I

BayPort Credit Union; Newport News (VA); On-site; USD 38,000 - 54,000; Full time

Job summary

BayPort Credit Union in Newport News, VA is seeking a Deposit Operations Representative I to process and reconcile daily deposit activity, handle NSF and discrepancy resolution, and support member inquiries. Responsibilities include researching electronic transactions, maintaining documentation, and assisting with new products and procedures.

Strong attention to detail and knowledge of ACH/EFT are preferred.

Qualifications

• Four-year high school diploma or equivalent.
• 1-3 years of deposit operations or related financial institution experience.
• Preferred Bachelor’s degree from an accredited college or university.
• Understanding of deposit products, services, and regulatory requirements; ACH/EFT knowledge.

Responsibilities

• Process, verify, balance, and reconcile daily deposit activity including ACH, instant payments, checks, drafts.
• Process NSF, reject, exception, returned unpaid items per procedures.
• Research and resolve member/staff inquiries related to electronic transactions and postings.
• Review ATM/mobile deposits and adjustments to ensure accurate posting and balancing.
• Provide first-line support for deposit operations products and assist with new procedures.

Skills

Attention to detail

Communication

Discretion

Organization

Teamwork

Office skills

Education

High school diploma or equivalent

Bachelor’s degree

Tools

Microsoft Office

Job description

Support Services
Newport News, VA 23606, USA

Description

POSITION SUMMARY:

The primary purpose of this position is to perform a variety of deposit operations functions that support accurate, efficient, and compliant processing of member transactions and account services. The Deposit Operations Representative I is responsible for electronic transaction processing, account maintenance, transaction research, exception resolution, and regulatory support. The representative also serves as a resource for branch and member-facing teams by resolving inquiries, maintaining documentation, supporting fraud and dispute-related matters, and supporting new products, procedures, and process improvements.

ESSENTIAL FUNCTIONS AND SUPPORTING DUTIES:

• Process, verify, balance, and reconcile daily deposit operations activity, including ACH, instant payments, checks, drafts, and related transaction activity.
• Process NSF, reject, exception, returned unpaid, and related transaction reports in accordance with established procedures.
• Research and resolve member and staff inquiries involving electronic transactions, deposit postings, draft activity, disputes, account corrections, and other deposit-related matters.
• Review and correct ATM deposits, mobile deposits, check adjustments, and other deposit exceptions to ensure accurate posting and daily balancing.
• Process ACH and manual returns, unauthorized debit claims, reclamations, and fraud-related cases in accordance with applicable procedures and regulatory requirements.
• Provide first-line support and troubleshooting for electronic, digital, online banking, mobile banking, safe deposit box, notary, and other deposit operations products, programs, policies, and procedures.
• Perform routine account audits, data maintenance, manual account adjustments, documentation review, and other assigned account-related tasks.
• Assist with testing core host releases, mergers, system updates, and the development, testing, and implementation of new products, procedures, workflows, and process improvements.
• Perform other duties as assigned.

QUALIFICATIONS AND REQUIREMENTS:

Required Education: Four-year high school diploma or equivalent.

Required Experience: 1-3 years of deposit operations or related financial institution experience.

Preferred Education: Bachelor’s degree from an accredited college or university.

Required Knowledge: Demonstrated understanding of deposit products, services, and applicable regulatory requirements. Working knowledge of ACH, EFT, and check processing.

Skills and Abilities:

• Ability to adhere to BayPort Credit Union’s Core Values: Integrity, Be Bold, Compassion, Diversity, Innovation, It’s On Me, and One Team.
• Handle sensitive information with discretion and confidentiality.
• Maintain strong organizational skills and attention to detail.
• Communicate clearly and professionally with members, staff, and business partners.
• Ability to utilize Microsoft Office Suite and job-related systems effectively.
• Work independently and collaboratively in a team environment.
• Analyze issues, solve problems, and prioritize tasks in a fast-paced environment.

This job description is not an all-inclusive list of the responsibilities, skills, working conditions or essential functions of this job. Management reserves the right to modify, add or remove essential functions as business needs warrant.

We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug-free workplace and reserve the right to perform pre-employment substance abuse testing.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.