Deposit Operations Specialist I - ACH

First United Bank; Durant (OK); On-site; USD 42,000 - 60,000; Full time

Job summary

First United Bank is seeking an Deposit Operations Specialist – ACH in Durant, OK to handle incoming and outgoing ACH transactions and related electronic payments. You will ensure accuracy, timeliness, and compliance with NACHA and regulatory standards, while providing exceptional service to customers and internal teams.

The role emphasizes operational excellence, risk management, and continuous process improvement, with a focus on attention to detail and proactive communication.

Qualifications

• High School Diploma or GED is required.

Responsibilities

• Process daily ACH files with a high degree of accuracy and timeliness.
• Balance and reconcile ACH file activity per procedures and deadlines.
• Complete Treasury Management ACH originator setup and maintenance.
• Process ACH disputes, reversals, returns, corrections, and related service requests per procedures.
• Assist internal partners with ACH transaction research and operational questions.
• Ensure ACH transactions comply with internal policies, NACHA requirements, and regulatory requirements.

Skills

Attention to detail

Customer service

Time management

Communication

Education

High School Diploma or GED

Tools

Microsoft Outlook

Microsoft Word

Microsoft Excel

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

At First United, how we work is just as important as what we do. This role is expected to:

• 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.

All Locations

Durant-Corporate

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.