Deposit Operations Sr Specialist

Texas Capital; Richardson (TX); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Health insurance coverage

Wellness program

Fertility and family building aids

Life and disability insurance

Retirement savings with 401K match

Paid leave programs

Paid holidays

Paid time off (PTO)

Job summary

Texas Capital is seeking a Deposit Operations Senior Specialist to manage the daily processing of ACH transactions and oversee ACH file processing. This role handles ACH returns, stop payments, and rejected entries while supporting inquiries from internal partners and external institutions.

The ideal candidate has 5+ years in banking operations, knowledge of Nacha rules, and strong Excel/Outlook skills. The position focuses on ACH origination and service setup within a dynamic operations team.

Qualifications

• Minimum of 5 years banking operations experience.
• Proficiency with Nacha rules and regulations is preferred.
• Proficiency in MS Excel and Outlook required.
• Experience with PC software tools for reports, audits, and analysis, including Cash Management software and Fiserv products.

Responsibilities

• Monitor ACH file processing to detect errors and communicate issues quickly.
• Maintain and document daily ACH outgoing files for accuracy and retention.
• Process daily ACH tasks including non-post items, stop payments, and returns.
• Prepare and gather daily ACH reports for management review and approval.
• Process ACH reclamations as needed.

Skills

Banking operations experience

Strong oral and written communication

Tools

MS Excel

Outlook

Nacha rules knowledge

Cash Management software

Fiserv products

Job description

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.

While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).

• health insurance coverage
• wellness program
• fertility and family building aids
• life and disability insurance
• retirement savings plans with a generous 401K match
• paid leave programs
• paid holidays
• paid time off (PTO)

Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com.

Brief Overview of Position

The Deposit Operations Senior Specialist is responsible for the daily processing of ACH transactions and monitoring of ACH file processing. The responsibilities include processing of ACH manual returns as needed, ACH stop payments, and ACH rejected entries in a timely manner while prioritizing other duties such as the handling of incoming inquiries from internal partners and external financial institutions. The Deposit Operation Senior Specialist will also assist with ACH origination and ACH service setup for the operations department.

Responsibilities

• Monitor the processing of ACH fi les to ensure any erroneous activity or failures are communicated quickly and effectively
• Maintain and document daily ACH outgoing fi es for accuracy, review, and record retention
• Accurately process daily ACH tasks, which includes non-post items, stop payments, and returns
• Assist with preparation and gathering of daily ACH reports for review and approval from management
• Process ACH reclamations accordingly
• Process and review daily ACH origination and service setup, modifications, and deletions
• Respond promptly and courteously to daily inquiries from internal partners
• Respond promptly and courteously to external financial institutions while adhering to any deadlines for the department or per Nacha rules and regulations
• Support management with various operational duties and responsibilities
• Other duties as assigned

The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign related additional duties to individual employees consistent with standard departmental policy.

Qualifications

• Minimum of 5 years banking operations experience

• Prior experience with ACH processing including basic knowledge of Nacha rules and regulation preferred

• Proficiency in the use of MS Excel and Outlook required.

• Proficiency in the use of PC software tools for reports, audits, and analysis, including knowledge of Fiserv products and Cash Management software.

Additional Requirements

• Actively demonstrate strong oral and written communication skills in a professional and courteous manner when interacting with internal partners and external fi nancial institutions
• Must be able to think critically while analyzing and resolving any issues that arise
• Ability to multi-task while performing effectively in a fast-paced environment
• Able to prioritize daily tasks while paying attention to details effectively
• Ability to work both independently and in a group environment
• Ability to manage high volume work and problem solve at a consistent pacepositions

The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.