Deposit Operations Specialist

RiseMe; Charlotte (NC); On-site; USD 65,000 - 85,000; Full time

Job summary

DingoBlu Financial Inc. in Charlotte, NC is seeking a Deposit Operations Specialist to ensure accurate processing of deposit transactions and timely escalation of issues. This role sits at the nexus of operations, fraud, and compliance to safeguard customer funds.

You will handle money movement, reconcile activity, and support audits while adhering to regulatory requirements. This full-time position may require second shift hours based on business needs.

Qualifications

• 2+ years in bank operations, deposit servicing, or related back-office work.
• Knowledge of ACH, wire processing, and core banking systems.
• Familiarity with Reg CC, Reg E, and BSA/AML regulations.
• Strong attention to detail and data discrepancy detection.
• Excellent written and verbal communication for cross-team escalation.
• Ability to handle time-sensitive cutoffs and settlement deadlines.

Responsibilities

• Process deposit transactions including wires, ACH, transfers, checks, and internal movements.
• Reconcile daily activity with core banking and payment systems.
• Verify accuracy and regulatory compliance before posting.
• Research discrepancies such as misapplied funds or duplicate postings.
• Support end-of-day balancing and internal control processes.
• Escalate high-risk issues and coordinate with Fraud, Compliance, Risk, and Tech teams.
• Document cases with root cause, impact, and resolution steps.

Skills

Deposit operations

Payments processing

Attention to detail

Communication skills

Time pressure handling

Education

Bachelor's or Associate degree

Tools

FIS core

Fiserv core

Jack Henry

Case management systems

Job description

Deposit Operations Specialist

Deposit Operations | Money Movement | Escalation Management

Location Charlotte, NC

Experience Required 2+ Years in Deposit Operations or Payments

Employment Type Full-Time

Reports To Deposit Operations Director / Manager

Department Operations

About the Role

The Deposit Operations Specialist is responsible for the accurate and timely processing of deposit account transactions, including money movement across internal and external systems, and for identifying, escalating, and resolving operational issues that affect account integrity or customer funds. This role serves as a key point of control between front-line banking operations and customer service and DingoBlu's fraud, compliance, vendors, and technology partners, ensuring transactions are processed correctly and exceptions are surfaced and resolved before they affect customers or the company.

What You'll Own

Money Movement & Transaction Processing

• Process and review deposit account transactions, including wire transfers, ACH originations and returns, internal transfers, check deposits, and account-to-account movements.
• Monitor daily settlement and reconcile transaction activity against core banking and payment system records.
• Verify transaction accuracy, completeness, and compliance with internal policies before release or posting.
• Research and resolve discrepancies related to misapplied funds, duplicate postings, or failed transactions.
• Support end-of-day and intraday balancing processes across deposit-related general ledger accounts.
• Ensure all money movement activity adheres to applicable regulatory requirements, including Reg CC, Reg E, and BSA/AML.

Escalation Management

• Identify transactions or account activity that fall outside standard processing parameters and route them through the appropriate escalation path.
• Serve as the first point of contact for time-sensitive or high-risk issues, including suspected fraud, funds availability disputes, failed same-day transactions, and Reg E disputes.
• Document escalations clearly, including root cause, impact, and resolution steps, in the case management or ticketing system.
• Coordinate with Fraud, Compliance, Risk, and Technology teams to drive issues to resolution within required SLAs.
• Communicate status updates to internal stakeholders and, where appropriate, front-line or customer-facing teams.
• Track recurring escalation trends and recommend process or control improvements to reduce future occurrences.
• When needed, support training and customer service initiatives, including documentation of processes and procedures, testing, and other tasks as assigned.

Controls, Reporting & Quality

• Maintain accurate records of transaction exceptions and escalations for audit and regulatory review.
• Assist with preparation of operational reports on transaction volumes, error rates, and escalation resolution times.
• Support internal and external audits by providing documentation and process walkthroughs.
• Identify opportunities to improve operational efficiency, reduce manual touchpoints, and strengthen controls.

What We're Looking For

Required

• 2+ years of experience in bank operations, deposit servicing, payments, or a related back-office function.
• Working knowledge of deposit account types, ACH and wire processing, and core banking systems.
• Familiarity with banking regulations relevant to deposits and payments, including Reg CC, Reg E, and BSA/AML.
• Strong attention to detail with the ability to identify discrepancies in transaction data.
• Excellent written and verbal communication skills for cross-team escalation handling.
• Ability to work under time pressure, particularly around cutoff times and settlement deadlines.

Preferred

• Experience with a specific core banking platform, such as FIS, Fiserv, or Jack Henry, or payment rails such as Fedwire, ACH, or RTP.
• Familiarity with case management or incident-tracking tools.
• Prior experience in a role involving fraud referrals or regulatory reporting support.
• Associate or bachelor's degree in finance, business, or a related field.

Work Environment

This role may require availability outside standard business hours to support transaction cutoffs, settlement windows, or time-sensitive escalations. Seeking a candidate who is available to work second shift and can accommodate the required evening hours based on business needs.

Equal Opportunity Employer DingoBlu Financial Inc. is an equal opportunity employer committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic under applicable law.

Note: DingoBlu is a financial technology platform, not an FDIC-insured bank. Banking services and eligible deposit accounts are provided by our FDIC-insured bank partners. FDIC insurance is provided by such banks up to applicable limits and subject to FDIC requirements