Deposit Operations Specialist I - ACH

First United Bank; Durant (OK); On-site; USD 42,000 - 58,000; Full time

Job summary

First United Bank in Durant, OK is seeking a Deposit Operations Specialist I – ACH to process daily ACH transactions accurately and securely, supporting customers and bank operations.

You will maintain NACHA compliance, handle disputes, and collaborate with teams to continuously improve ACH workflows in a fast-paced environment.

Qualifications

• High School Diploma or GED required.
• Minimum of 2 years of banking or financial services experience preferred.
• Experience in ACH processing, electronic payments, or related operational functions preferred.

Responsibilities

• Process daily incoming and outgoing ACH files with a high degree of accuracy and timeliness.
• Balance and reconcile ACH file activity.
• Complete Treasury Management ACH originator setup and maintenance.
• Process ACH disputes, reversals, returns, corrections, service requests ACH auto transfers, reclamations, and deceased customer maintenance.
• Assist Community Bank personnel and internal partners with ACH transaction research and operational questions.
• Ensure ACH transactions comply with internal policies, NACHA requirements, and regulatory requirements.
• Review ACH exception items and complete required verification procedures to mitigate fraud and operational risk.
• Review and resolve exception items identified through Risk Fraud Analysis and Verafin monitoring.
• Identify opportunities to improve ACH workflows, reduce risk, and enhance the customer and team member experience.

Skills

Attention to detail

Communication skills

Customer service

Team collaboration

Education

High School Diploma or GED

Tools

Microsoft Outlook

Microsoft Word

Microsoft Excel

Job description

Join Our Team!

We have a great team of friendly, talented and inspiring people at First United. As a learning organization, we take pride in offering exciting opportunities for employees to grow and follow their passions. That's one of the many reasons First United has been voted as one of the top places to work in Oklahoma since 2009! Browse this page to find out more about the First United culture and the many benefits of working here. Then, use our "Get Started" section to take your first step to being a part of First United.

Deposit Operations Specialist I – ACH

Job Description Summary

The Deposit Operations Specialist – ACH plays a critical role in delivering secure, accurate, and timely ACH services that support our customers, team members, and communities. This position is responsible for the processing of incoming and outgoing ACH transactions and related electronic payment activities while upholding First United’s commitment to operational excellence, risk management, and exceptional service. This role goes beyond transaction processing—it reflects our service philosophy by building trust through accuracy, responsiveness, and proactive communication. The Specialist actively develops into a subject matter expert while contributing to the continuous improvement of processes, ensuring we serve customers seamlessly—the first time, every time. The Specialist demonstrates strong ownership, sound judgment, and attention to detail while ensuring all activities align with established policies, procedures, NACHA requirements, regulatory requirements, and service level expectations.

Key Responsibilities

• Operational Excellence & Accuracy: Process daily incoming and outgoing ACH files with a high degree of accuracy and timeliness
• Balance and reconcile ACH file activity in accordance with established procedures and deadlines
• Complete Treasury Management ACH originator setup and maintenance in accordance with established requirements
• Process ACH disputes, reversals, returns, corrections, service requests ACH auto transfers, reclamations, and deceased customer maintenance in accordance with established procedures and deadlines and with sound judgement
• Assist Community Bank personnel and internal partners with ACH transaction research and operational questions
• Ensure ACH transactions comply with internal policies, operating procedures, NACHA requirements, and regulatory requirements
• Risk Management & Fraud Prevention: Review ACH exception items and complete required verification procedures to mitigate fraud and operational risk
• Review and resolve exception items identified through Risk Fraud Analysis and Verafin monitoring
• Continuous Improvement & Ownership: Identify opportunities to improve ACH workflows, reduce risk, and enhance the customer and team member experience
• Take initiative in researching and resolving ACH issues and completing tasks with minimal supervision
• Support team goals by maintaining productivity, quality standards, and service level commitments

Behavioral Expectations

• Act with Integrity: Handle all transactions and sensitive information with the highest level of confidentiality and ethical standards
• Own the Outcome: Take accountability for accuracy, timeliness, and resolution of issues
• Serve with Purpose: Deliver consistent, high-quality service that builds trust with both internal and external customers
• Collaborate Effectively: Build positive working relationships and contribute to a supportive team environment
• Adapt and Grow: Embrace change, seek learning opportunities, and remain open to feedback
• Communicate with Clarity: Share information in a professional, respectful, and solution-focused manner

Additional Responsibilities

• Complete all required compliance training and exams within established timelines
• Maintain adherence to all First United policies, procedures, and standards
• Support department initiatives and perform other duties as assigned by leadership
• Maintain professional appearance and conduct consistent with organizational expectations

Qualifications & Experience

Education & Experience

• High School Diploma or GED required
• Minimum of 2 years of banking or financial services experience preferred
• Experience in ACH processing, electronic payments, or related operational functions preferred

Technical & Functional Skills

• Proficiency in Microsoft Outlook, Word, and Excel
• Strong attention to detail with the ability to manage high-volume, time-sensitive ACH tasks
• Sound judgment and problem-solving skills in a risk-sensitive environment
• Ability to prioritize, meet deadlines, and maintain accuracy under pressure

Interpersonal & Service Skills

• Excellent customer service skills across written, verbal, and interpersonal communication
• Strong collaboration skills with the ability to work effectively across teams
• Dependable, accountable, and committed to meeting schedules and deadlines
• Professional demeanor with the ability to handle challenging situations with composure
• Demonstrate a customer-first mindset by responding with empathy, urgency, and accountability
• Contributes positively to team culture

Work Environment & Expectations

This role operates in a fast-paced, deadline-driven environment where precision and responsiveness are essential. Success in this position requires a balance of operational focus, risk awareness, and a strong commitment to service excellence.

Note: This job description is not intended to be all-inclusive. Team members may be asked to perform additional duties to meet the ongoing needs of the organization.

#LI-BR1 All Locations:Durant-Corporate

If any applicant is unable to complete an application or respond to a job opening because of a disability, please email us at [e-mail] for assistance.

First United is an Equal Opportunity Employer.

To the extent required by Federal or State law, First United does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, or any other characteristic protected by law.

First United Bank is a family-friendly organization with strong ties to the communities we serve. We practice honesty, integrity, and exceptional customer service as we strive to be the best place, to bank, work and invest.

We are committed to providing excellent career opportunities and a wide array of benefits for our staff. And, in recognition of First United's commitment to being a premier employer, we've been honored by OKCBiz Magazine as a "Best Places to Work" organization. As one of only 30 organizations and companies to receive this prestigious designation, we're very proud of our accomplishment!

The key to First United's success is, and always will be, our exceptional people. Our employees share a desire to provide the best possible service to our customers and they work creatively, set high standards for themselves, and stick to them.

We look forward to meeting you and wish you the best in your career!