Senior Deposit Operations Specialist

Ventura National Bank & Trust; Clayton (MO); On-site; USD 60,000 - 85,000; Full time

Benefits offered by this job

Health insurance

401(k) matching

Job summary

Ventura National Bank & Trust is seeking a Senior Deposit Operations Specialist to lead daily item processing, reconciliations, ACH and wire activity, and settlements within a meticulous operational framework.

The role requires 5+ years in deposit operations, strong familiarity with core banking platforms such as Fiserv Premier and Bankjoy, and adherence to NACHA rules and federal regulations. A senior contributor who mentors staff and enhances controls is ideal.

Qualifications

• Education: High school diploma or equivalent required; Associate’s or Bachelor’s degree in business, finance, or related field preferred.
• Minimum of five (5) years of progressive experience in deposit operations or related financial institution operations.
• Hands-on experience with item processing, ACH/wire processing, and GL/suspense reconciliation.
• Experience with Fiserv Premier, DepositPro, Bankjoy, and WireXchange strongly preferred.
• Knowledge of federal banking regulations including Regulation CC/E/D and NACHA rules.

Responsibilities

• Oversee daily item processing, including check capture, encoding exceptions, image quality review, and return item processing.
• Perform daily reconciliation of general ledger, suspense, clearing, and settlement accounts.
• Process, review, and release ACH originations and wire transfers with proper controls.
• Serve as system administrator for online banking platforms (Bankjoy) and manage user entitlements.
• Train, mentor, and provide day-to-day guidance to deposit operations staff.
• Support internal audits and regulatory examinations.

Skills

Attention to detail

Analytical skills

Communication skills

Team player

Regulatory knowledge

Education

High school diploma or equivalent

Associate's/Bachelor's degree in business/finance

Tools

Fiserv Premier

DepositPro

Bankjoy

WireXchange

Job description

Job Type: Full time in person, FSLA Exempt

Reports To: Managing Director, Operations

Salary: $60,000 - $85,000, based on experience

At Ventura National Bank & Trust (VNBT), we’re redefining the banking experience through client-first service, best-in-class digital technology, and a commitment to building lasting relationships. We believe banking should be personal, thoughtful, and built around the way our clients live and do business. Delivering that kind of experience requires more than great advisors, it requires exceptional operational execution behind the scenes.

A Senior Deposit Operations Specialist plays a critical role in ensuring that the everyday movement of our clients’ money is accurate, timely, secure, and seamless, while serving as a senior resource for our Deposit Operations team. This position helps create the operational foundation that allows VNBT to deliver a higher level of service, from ACH and wire processing to reconciliations, digital banking administration, exception resolution, to fraud-related escalations.

This is a hands‑on role for an experienced banking operations professional who understands that the details matter. The ideal candidate brings sound judgment to complex issues, helps strengthen our controls and processes, mentors team members, and partners with leadership to continuously improve how we operate.

• Oversee daily item processing, including check capture, encoding exceptions, image quality/usability review, and return item processing.
• Research and resolve unposted, rejected, and exception items within established regulatory and internal timeframes.
• Monitor and clear proof/capture exceptions, adjustments, and encoding errors; elevate unresolved items appropriately.
• Serve as the escalation point for complex item processing discrepancies referred by other operations staff.

Daily Reconciliation & Suspense Account Management

• Perform daily reconciliation of general ledger, suspense, clearing, and settlement accounts, identifying and resolving out‑of‑balance conditions same‑day where possible.
• Investigate aged or unresolved suspense items, document root cause, and coordinate corrective entries with appropriate approval.
• Maintain reconciliation documentation and supporting workpapers sufficient to withstand internal audit and OCC examination review.

ACH & Wire Transactions

• Process, review, and release ACH originations and receipts in accordance with NACHA Operating Rules and internal policy.
• Monitor ACH exception, return, and NOC (Notification of Change) queues; ensure timely and compliant handling.
• Process domestic and international outgoing/incoming wire transfers via WireXchange, ensuring adherence to dual control, callback verification, and OFAC screening requirements.
• Identify and elevate suspicious or high‑risk wire and ACH activity in coordination with BSA/AML and Fraud teams.
• Maintain and monitor Fedwire/ACH settlement, ensuring daily balancing of settlement accounts and timely resolution of discrepancies.

Settlements

• Perform daily settlement of ATM, debit card, ACH, wire, and remote deposit capture activity, ensuring all outstanding items are cleared or appropriately researched.
• Reconcile correspondent bank and Federal Reserve settlement accounts; resolve variances timely.
• Coordinate with card processors and network partners on settlement discrepancies, chargebacks, and adjustment entries.
• Serve as system administrator for online banking platforms (including Bankjoy), managing user entitlements, enrollment issues, limit configuration, and escalated support requests.
• Administer and verify mobile remote deposit capture (RDC) transactions, including item review, hold decisioning, duplicate detection, and exception resolution.
• Monitor online and mobile banking system alerts, holds, and flagged transactions for fraud indicators; elevate as needed.
• Support testing, configuration, and rollout of online/mobile banking system updates, enhancements, and new features.

Customer Service & Internal Support

• Provide senior‑level research and issue resolution support to customers on complex deposit, ACH, wire, and online/mobile banking inquiries.
• Respond to escalated customer disputes, including Regulation E claims, unauthorized transaction investigations, and check fraud/forgery affidavits.
• Deliver clear, professional written and verbal communication to internal partners and customers regarding account activity and resolution status.
• Operate proficiently within Fiserv Premier, DepositPro, Bankjoy, and WireXchange to support daily processing and reporting needs.
• Identify opportunities to improve operational efficiency, reduce risk, and strengthen internal controls within deposit operations workflows.
• Assist with the development, documentation, and periodic review of departmental procedures and desk‑level job aids.
• Support internal audit, external audit, and regulatory examination requests by preparing documentation and responding to inquiries.
• Train, mentor, and provide day‑to‑day guidance to deposit operations staff.
• Maintain current knowledge of applicable regulations, including Regulation CC, Regulation E, Regulation D, NACHA Operating Rules, BSA/AML requirements, and OFAC sanctions programs.
• Perform other duties as assigned in support of departmental and bank objectives.

Who You Are and How You Work

• Enthusiastic about working on a team that values accuracy, efficiency, and customer service.
• A team player who has the ability to work independently and manage multiple priorities while meeting deadlines.
• An excellent communicator who has the ability to explain complex financial information to team members and clients.
• Comfortable problem‑solving complex situations with a proactive approach.

Qualifications

• Education: High school diploma or equivalent required; Associate's or Bachelor's degree in business, finance, or a related field preferred.
• Minimum of five (5) years of progressive experience in deposit operations, core banking operations, or a related financial institution operations role.
• Demonstrated experience with item processing, ACH/wire processing, and general ledger/suspense account reconciliation.
• Hands‑on experience with Fiserv Premier (or comparable core platform), DepositPro, Bankjoy, and WireXchange strongly preferred.
• Working knowledge of applicable federal banking regulations, including Regulation CC, Regulation E, Regulation D, and NACHA Operating Rules.
• Strong analytical and problem‑solving skills with high attention to detail and accuracy.
• Demonstrated ability to work independently, manage competing deadlines, and exercise sound judgment on escalated exception items.
• Excellent written and verbal communication skills, with the ability to interact professionally with staff, customers, and examiners.
• Proficiency in Microsoft Office (Excel, Word, Outlook); comfortable participating in virtual meetings with remote partners; experience with report writing or reconciliation tools a plus.
• Relevant industry certification (e.g., AAP, NCP) preferred but not required.
• Comfortable working in a standard office/branch operations center environment. Occasional extended hours may be required to meet settlement, month-end, or regulatory deadlines.
• Capable of prolonged periods of sitting and computer use; occasional lifting of files or equipment up to 20 lbs.

About VNBT

We believe in a future where everyone has the freedom to imagine, attain, and enjoy their ideal life through financial independence. We demystify the complexities of financial management, making it accessible and manageable for all. Our ethos emphasizes building trusted lifelong partnerships, providing exceptional products and services, and enjoying the journey while celebrating wins. Join us in creating lasting security and peace of mind for generations.