Careers

Reports To: SVP, Director of Digital Banking and Payments Strategy

FLSA Status: Exempt

 

• Ability to interact (in person, phone, and electronic communication) with the public well and to deal effectively with their questions or problems.

• Knows the Bank’s products and services thoroughly and seeks out opportunities to explain, promote, or sell products/services.

• Continuously demonstrates a helpful, friendly attitude and is committed to providing excellent client service. 

• Ability to establish and maintain effective working relationships with co-workers, employees and officials in other departments.

• Must adhere to supervisory responsibilities in accordance with BCT’s policies and applicable laws.

• Responsibilities may include interviewing, hiring, training, performance appraisals, rewarding and disciplining employees, addressing/resolving employee relation matters.

• Responsible for following/adhering to established New Hire Onboarding Program

 

• Create efficiencies within the department processes and products that will result in time savings, reduction of risk and improvement of client service for internal and external clients. 

• Complete yearly escheatment process.

• Complete end of month balancing and reporting. 

• Assist with implementation of Business Plan projects, special projects, and budget items

• Coordinate all internal and external audit preparations as required.

• Perform all work in compliance with established regulations, policies, Standard Operating Procedures (SOPs) and instructions.

• Participate in ongoing skill, compliance, product, market, risk management and security training as required for the position and apply knowledge in performance of daily tasks.

• Works with external vendors to resolve client problems and inquiries.

• Provides project support; assists with the research, evaluation, testing, installation, and monitoring of selected new vendors/systems. 

• Utilizes experience-based knowledge to research and resolve client inquiries explaining specific policies, procedures, and products. Ability to effectively present information and respond to questions and service requests from customers and staff. 

• Promotes business for the Bank by maintaining good client relations and referring clients to appropriate staff for new services.

• Develop and train the team as a whole and individually.

 

Ensure the team completes their daily tasks correctly and error fee. Team tasks will include the following:

 

• Verify and maintain IRA documentation. Assist with RMD and other required IRA reporting.

• Index customer and account documentation to bank database.

• Complete daily review for OFAC certified names and address matches.

• Verify holds placed in accordance with Reg CC. 

• Verify proper documentation and time frames for stop payments. Aid in proper completion of stop payments if necessary.

• Conduct daily reviews of file maintenance on employee and insider accounts.

• Review posted transactions through BSA Yellow Hammer Fraud Detective for proper endorsement and related account history.

• Research ACH, Wire, Check and Debit Card disputes, errors, and customer problems proficiently.

• Assist clients with all products and services that touch an account.

• Complete daily rotation work that will be shared with fellow employees:  Sweeps, GL Balancing, EIP, Foreign items, ATM Reconcilement, Suspense Balancing, ICS Balancing, Levies/Garnishments, SSI/Medicaid Verifications, daily ACH items, Verifications and other duties that may be assigned. 

• Assist in capture of balanced work and preparation of outgoing cash letters.

• Balances outgoing and incoming returns.

• Creates general ledger tickets as required to reflect fee reversals and correction tickets.

• Operation of FedLine for funds transfer, currency orders, ACH, ACH returns, check returns, large dollar notifications, direct deposit set-up, savings bonds, electronic federal tax payments.

• Performs routine clerical duties as directed.

• Asist with digital banking questions and set up. 

• Assists with statements and other various duties as needed. 

 

• Directs activities of workers engaged in implementing banking services.

• Prepares financial and regulatory reports required by law, regulations, and Board of Directors.

• Participates with executive management in the allocation of retail sales goals and the achievement of individual sales goals.

• Monitors and reviews deposit operations security procedures.

• Monitors and oversees daily deposit operations to include balancing and procedure follow through.

• Issues written and oral instructions.

• Ensures that all standard operating procedures are being followed according to federal and state regulatory guidelines.

• Contacts clients and business, community, and civic organizations to promote goodwill and generate new business.

• Participates in community activities, in the vicinity of the branch location to enhance public awareness of the bank and to leave a positive impression of the bank.

• Oversee the staff direction to assure effective utilization of personnel.

• Conducts timely and objective performance evaluations.

• Monitors the knowledge and skill levels of personnel to identify development and training needs.

• Meets regularly with staff to communicate objectives and goals, and employee input to improve department performance so that high quality information flows in both directions.

 

Is responsible for the overall direction, coordination, and evaluation of this unit. Fulfills supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities may include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

 

• Maintains neat and orderly work area and ensures that all negotiables and confidential records are properly secured. 

• Understands role in case of robbery, whether victim or bystander, and knows proper post-robbery procedures.

• Professional appearance that evokes the customer’s trust.

• Adheres to all bank policies and procedures and to internal controls and system access restrictions.

 

• Self-Development: pursue additional education or training to remain current, improve knowledge, and diversify skills.  

• Client confidentiality:  never reveal or divulge client information to anyone outside of the Bank.

• Versatility:  Ability to multi-task under pressure and fast paced environment.  

• Knowledge of the Funds and Files Transfer Services and Operating Rules.

• Knowledge of the Payment Rails and Regulations: ACH, Wire, Check, Debit Card

• IRAs and the regulations and rules for IRAs

• Strong working knowledge of various bank regulations.

• Strong written and verbal communication skills.

• Strong computer skills necessary. Proficiency in Microsoft Office products, including Word and Excel. 

• Strong time management skills and the ability to prioritize multiple tasks.

• Reliability, flexibility, professional etiquette, and sound judgment are important.

• Team player with proven ability to work cooperatively but also assume administrative responsibilities.

 

QUALIFICATIONS 

To perform this job successfully, an individual must have the ability to work in a fast-paced team environment, be detail oriented, have the ability to communicate effectively with team members and clients.

 

• 3-5 years Deposit Operations experience required with an emphasis on electronic-based financial services preferred

• Bachelor’s Degree preferred

• Accredited ACH Professional (AAP) 

 

KNOWLEDGE, SKILLS, AND ABILITIES 

• Ability to adhere to BCT’s Core Values: Integrity, Teamwork, Growth, Client Commitment, Community Focus

• Must possess a knowledgeable background of the bank’s operational procedures and policies regarding lending and deposit functions.

• Position demands a person with a pleasant personality with an above average knowledge of fundamental arithmetic.

• Must have basic skills in operating a computer, adding machine and typewriter.

• Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. 

• Ability to operate standard office equipment.

• Ability to speak in a clear and understandable manner and write legibly. 

• Ability to answer telephones and greet public in a friendly and courteous manner.

• Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. 

• Ability to deal with problems involving several concrete variables in standardized situations.

 

BCT is a 100% smoke-free company.

 

PHYSICAL DEMANDS  

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 

While performing the duties of this job, the employee is regularly required to sit; use hands to handle or feel; reach with hands and arms; and talk or hear.  The employee may regularly lift and/or move up to 10 pounds; frequently lift and/or move up to 25 pounds, and occasionally lift and/or move up to 50 pounds.

 

 

The job description is not designed to cover or contain a comprehensive listing of all duties/responsibilities required of position.  Duties/responsibilities may change or be assigned at any time with or without notice.