Charles Town, WV

Deposit Operations Representative I



This position is a back-office support role that supports the daily operations of the Bank within a fast paced, detail-oriented team environment.


Reports To: Deposit Operations Manager
FLSA Status: Non-Exempt
Client Service
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
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. 
Assists with mailroom duties.
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.  
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.
High school diploma or general education degree (GED).
1-3 years of Banking experience 
Ability to adhere to BCT’s Core Values: Integrity, Teamwork, Growth, Client Commitment, Community Focus
Ability to answer phones and meet with clients in a friendly and courteous manner.
Ability to utilize job knowledge to complete rotation work and complete tasks efficiently and correctly. 
Basic computer skills
Ability to read and interpret documents and task instructions. 
Ability to work in a fast-paced environment. 
Ability to speak in a clear and understandable manner and write legibly. 
Good problem-solving skills. 
Good understanding of IRAs. 
Strong Knowledge base for ACH, Debit Cards, Wires and Checks: processes and regulations
Ability to work with Digital products and services
BCT is a 100% smoke-free company.
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.
BCT is an Equal Opportunity/Affirmative Action Employer
BCT supports a workforce of diversity, equity, inclusion, and accessibility