Deposit Operations Specialist

UniBank for Savings; Northbridge (MA); On-site; USD 28,000 - 33,000; Full time

Job summary

UniBank is seeking a Deposit Operations Specialist to join our team. You’ll perform deposit account reviews, maintenance, and reporting, ensuring accuracy and adherence to internal controls.

You’ll support regulatory processes and maintain audit trails while collaborating with teammates to cover cross-training needs. The role emphasizes attention to detail, problem solving, and effective communication in a community-focused bank serving New England communities.

Qualifications

• Knowledge of deposit accounts, account maintenance, documentation review and tax reporting.
• Strong attention to detail, organization, accuracy and ability to meet deadlines.
• Ability to follow procedures, protect confidential information and maintain internal controls.
• Proficiency with Microsoft Office and core banking systems required.

Responsibilities

• Perform account and customer review, including file maintenance and tax certification review.
• Review incoming documents and route to appropriate staff to ensure timely completion.
• Review and balance operational reports and resolve discrepancies.
• Support regulatory and verification processes including asset verification and dormant activity.
• Print daily documentation and complete routine operational tasks.
• Maintain accurate records and audit trails per procedures and controls.
• Identify exceptions and escalate issues affecting customers or operations.
• Provide backup support and participate in cross-training as needed.
• Other Deposit Operations duties as assigned.

Skills

Deposit accounts

Account maintenance

Documentation review

Exception processing

Legal processing

Reconciliations

Tax reporting

Banking operations

Attention to detail

Communication

Education

High school diploma or equivalent

Tools

Microsoft Office

Core banking systems

Imaging systems

Vendor platforms

Deposit Operations applications

Job description

We have an exciting opportunity to join our Deposit Operations team! We're looking for a detail-oriented, organized, and dependable professional who enjoys working with research, documentation, reporting, and the operational processes that keep a bank running smoothly. In this role, you'll gain exposure to a wide range of deposit operations functions, including account maintenance, customer and account review, regulatory processes, operational reporting, and audit support. If you take pride in accuracy, enjoy problem-solving, communicate effectively, and thrive in a collaborative environment where teamwork and cross-training are valued, we'd love to hear from you. Join a community-focused bank where your contributions help support exceptional service for our customers and communities every day.

Position Overview

The Deposit Operations Specialist performs a variety of Deposit Operations functions, including report review, account and customer research, account verifications, file maintenance, and operational support. This role helps ensure daily and periodic processes are completed accurately and on time, supports department continuity through cross-training and backup coverage, and maintains reliable documentation and audit trails.

Primary Accountabilities

• Perform account and customer review, including account changes, file maintenance, customer profile review, and tax certification review.
• Review incoming faxes and route them to appropriate staff to ensure timely completion.
• Review and balance assigned operational reports, including account changes, customer changes, supervisor override, dormant, teller transaction, and other control reports.
• Support legal, regulatory, and verification processes, including AVS and SSA asset verification, Verification of Deposit, Confirmation.com, and dormant account activity.
• Print daily automated documentation such as club checks, interest checks, printed letters, and related annual or periodic tasks.
• Complete general research, mailing support, year-end tasks, and recurring operational or compliance reporting.
• Maintain accurate records, logs, supporting documentation, and audit trails in accordance with procedures, internal controls, regulatory expectations, and retention requirements.
• Identify and elevate exceptions, discrepancies, balancing differences, documentation gaps, customer-impacting issues, and system or vendor-related concerns.
• Provide backup support, participate in cross-training, and perform other Deposit Operations duties as assigned.
• Other duties as assigned.

Knowledge, Skills, Education and Work Experience

• Knowledge of deposit accounts, account maintenance, documentation review, exception processing, legal processing, reconciliations, tax reporting, or related banking functions preferred.
• Strong attention to detail, organization, accuracy, follow-through, research, problem-solving, communication, and customer service skills required.
• Ability to follow procedures, maintain internal controls, meet deadlines, elevate issues appropriately, and protect confidential customer and bank information is essential.
• Proficiency with Microsoft Office, core banking systems, imaging systems, vendor platforms, and other Deposit Operations applications required.
• Ability to learn new systems and support cross-training needs is a must.
• High school diploma or equivalent required.
• 1-3 years banking experience required.

About UniBank

We are UniBank, a team of civic-minded financial professionals and all-around great people working together to enrich people, businesses and municipalities across New England. We don't abide by the doctrine of big, national banks. What we believe is different. What we believe is unique. We believe in our community. And we believe in the people who live here. We believe in committing time and financial support to local nonprofits. We believe in finding innovative solutions for affordable housing, community development and independent business. And yet, we are bankers. We are a mutual bank, owned by its customers, dedicated to local service. We are technology leaders. Since launching our first online payment platform in 2003, we've never stopped delivering the most effective technology to our customers. We are a unique blend of consumer, civic and business banking with more than 150 years of history. We are an exception to the rule.

We are unique. Unique to people. Unique to business. Unique to local government.

We are UniBank. Bank Different. Bank Unique.

This position is not subject to SAFE Act Registration Requirements. Pursuant to the SAFE Act requirements, all applicants for employment who will be engaged in residential loan mortgage originations (as defined by the SAFE Act) must register with the federal registry system and maintain a status in good standing under the SAFE Act requirements.

UniBank is committed to fair, competitive, and market-informed pay for our employees. The estimated base hourly rate for this position is $20.00/hr to $24.00/hr. Final offer will be determined based on a particular candidate's unique combination of factors such as skills, education, experience and certifications. In addition to those factors, we believe in the importance of pay equity and consider the internal equity of our current employees as part of any final offer. UniBank supports the internal growth and development of our employees and so it is rare to have an initial employment offer at the top of a positions pay grade. As a candidate, you are encouraged to have an open conversation with the hiring team regarding any compensation and benefit related questions.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, status as a veteran or as an individual with a disability.