Deposit eServices Specialist & IRA Review

Job Type
Full-time
Description
Position Title: Deposit eServices Specialist
Secondary Title: IRA/HSA Review
Department: Deposit/eServices
Reports To: Deposit eServices Supervisor
Supervises: N/A
FLSA Status: Non-exempt
Last Revised/Approved: December 2023
POSITION SUMMARY:
The Deposit eServices Specialist -IRA/HSA Review is responsible for reviewing Individual Retirement Account (IRA) and Health Savings Account (HSA) maintenance and other processes to ensure accuracy. As a member of the Deposit and eServices team, this position is responsible for supporting the deposit services and electronic services activities of the Bank, including Deposit account, ATM/debit card, online banking and bill payment processing; non-sufficient funds and deposit exception processing; IRA/HSA administration; and providing back-up to other staff members in the department as needed. Provides the highest level of customer service, adheres to the Bank's Core Values, and Service Standards..
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Customer Experience:

• Supports inquiries from branches and customers.
• Promotes the Bank's services.

The following key responsibilities may be primary or backup tasks for this position:
IRA & HSA Review

• Reviews new IRA accounts and other IRA plan maintenance.
• Reviews new HSA accounts and other HSA plan maintenance.
• Reviews IRA transaction reports to ensure accurate IRS reporting.
• Reviews HSA transaction reports to ensure accurate IRS reporting.
• Supports the document imaging process.

ATM/Debit Card/Online Banking/Bill Payment Processing:

• May follow-up and monitor suspected debit card fraudulent activity for customers.
• Provides telephone support to Bank customers for Card, Mobile, Bill Payment and Online Banking.
• Processes ATM and Mobile deposits sending to Fiserv IP.
• Provisions tokens if needed for Digital Wallets.
• May assist with processing and monitoring all ATM, ACH, and POS issues relative to Regulation E, including fraud monitoring, breaches and error resolutions.

Cash Management Support

• May assist in reviewing Business online Banking setups for authorization. Provides support for the Cash Management products including, but not limited to, sweep accounts, ACH origination, Wire transfers, Zero balance accounts and Positive Pay.
• Processes Customer ACH Origination files.
• Processes Wire Transfer requests.

Other Responsibilities

• Provides back-up support for other staff members in the department.
• Research items as required.
• Completes projects as assigned.
• Creates and maintains management reports as required.
• Provides IRS reporting support including Savings Bond interest remittance and 1099 corrections.
• Supports the annual escheatment process to the State of Maine.

NON-ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Performs additional duties as assigned.

GENERAL EXPECTATIONS/COMPETENCIES:

• Demonstrated ability to work as part of a team.
• Be punctual for scheduled work and use time appropriately.
• Provide excellent customer support for the Bank's Online Banking and Card customers.
• Perform duties in a conscientious, cooperative manner.
• Perform required amount of work in a timely fashion with a minimum of errors.
• Be neat and maintain a professional appearance.
• Comply with all Bank policies and procedures, including BSA and Information Security policies.
• Maintain confidentiality and protect the Bank by keeping information concerning Bank operations and customer information confidential.
• Able to consistently treat others with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Strong commitment to achieving personal and team growth and success through an understanding and commitment to the Bank's sales culture goals.
• Must have proven communication and interpersonal skills.

PHYSICAL REQUIREMENTS:
The physical requirements described here are representative of those that must be met by the Incumbent 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 walk, sit, talk and hear. The employee is frequently required to stand for extended periods of time, and use hands and fingers extensively to operate a standard computer keyboard and working at a computer monitor. The employee may occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, and the ability to adjust focus.

• Must be able to spend extended periods of time operating a computer keyboard and working at a computer monitor.

WORK ENVIRONMENT:
The work environment characteristics described here are representative of those the incumbent encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
When in the office, usual office conditions. Noise level is usually quiet.
QUALIFICATIONS NEEDED FOR POSITION:
Experience and Skill Requirements: The following experience and skills are considered essential:

• Minimum 1 year of banking experience.
• Must have strong customer skills, especially by telephone.
• Excellent computer skills, including a good understanding of internet banking features and functionality as well as experience in word processing and spreadsheet applications.
• Familiarity with core and internet banking services.

Education Requirements: The following education requirements are considered essential:

• High School Diploma or equivalent.

** All requirements and skills are considered to be essential, unless otherwise indicated. **
External and internal applicants, as well as position incumbents who become disabled as defined under the Americans With Disabilities Act, must be able to perform the essential job functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on a case by case basis.
The job description does not constitute an employment agreement between the employer and the employee and is subject to change by the employer as the needs of the employer and requirements of the job change.