Deposit Operations 2 - Cif/Legal Process

Key Result Areas 

· Safety and Security of Customer Information 

· Ensure Regulatory Compliance 

· Accurate processing of daily work 

· Responsive action to all customer’s requests both internal and external 

· Friendly, personalized customer service 

Supervised By 

Deposit Operations Officer 

Supervises 

No one

Essential Functions - may include, but are not limited to: 

· Employee is required to attend work 

· Ensure company service standards are continually achieved in area of responsibility 

· Adhere to established functional service level agreements (SLA’s) 

· Address customer inquiries and research requests promptly, accurately and professionally 

· Specific day to day functions may vary based on staffing and departmental needs

Online Banking: 

· Verify forms for file maintenance 

· Monitor iBanking secure forms que daily, process requests 

· Onboard and maintain business online banking customers 

· Maintain consumer online banking customers 

· Smart folder indexing and processing

DDA: 

· Official check stop payment processing 

· Efficiently maintain overdraft program 

· Monitor DDA Inclearing Exceptions 

· Timely monitoring/correspond to overdrawn checking accounts 

· Accurate and timely Transworld, Chex System and database maintenance 

· DDA related account maintenance 

· Review and decision Mobile deposit and Remote Deposit Capture (RDC) alerts 

· Review daily Reg E Opt-in/Opt-out report 

· Overdraft privilege, protection, card maintenance 

· Monitor Reg O daily report 

· Daily Sweep balance reporting 

· Monthly IOLTA reporting 

· Quarterly IORETA Reporting 

· Monthly DDA Charge-Off Reporting 

· Monitor daily for early high dollar returns (EARNS) 

· Clear Mobile, RDC and Positive Pay cash boxes 

· Process of return deposited items 

· Manage CDARS, IND and ICS program 

· Monitor Check Holds 

· Monitor dormant account activity 

· Perform CAA setup/maintenance on commercial accounts 

· Daily cashbox balancing 

· Process of delinking closed accounts 

· Review Elder check report 

· Billpay enrollments 

ACH:

· Monitor ACH Inclearing Exceptions/Rejects/Returns/Balancing 

· Manage Pre-Authorized transfer activity 

· Manage ACH origination activities 

· Assist in the facilitation of Online Banking wire transfers 

· Process government reclamations 

· ACH dispute handling 

· Daily cashbox balancing 

· Review and approve Bank to Bank ACH external transfers 

· ACH related account maintenance 

CIF: 

· Review/follow-up on BSA and AML related documentation 

· Review account supporting documentation for new or amended accounts (i.e. signature cards, CIP, etc.) 

· Provide branch support 

· Review and process Red Flag notifications 

· Review and process Change of Address requests 

· Scan and index supporting documents for remote retrieval and record retention 

· Process excessive activity review for Money Market accounts 

· Process Federal and State withholding payments 

· Perform properly requested maintenance on customer profiles and deposit accounts

Wire Transfers: 

· Process customer and bank wire transfers in an accurate and timely manner

HSA/IRA/Savings: 

· Perform account maintenance as necessary 

· Respond promptly to telephone/written inquiries concerning IRA/HSA/Savings accounts and provide other account information as necessary. Complete retirement  transactions, new accounts, renewals, and transfers as needed, ensuring documentation is complete and accurate. 

· Maintain retirement/health savings account files, ensuring completeness and accuracy of information reported 

· Process customer information changes (i.e. change of address, name changes, etc.) 

· Scan, index and review supporting documents for remote retrieval and record retention 

· Periodically run electronic file for OFAC (Office of Foreign Asset Control) matches 

· Review/follow-up on BSA and AML related documentation (CTR, business profile, missing CIP)

ITM/ATM/EFT: 

· Communicate in a professional manner with customers (orally and in writing) 

· Review and identify fraud trends and address accordingly 

· Process and maintain ATM - Regulation E and MasterCard customer dispute claims 

· Provide supporting documentation for charge-off activity related to card disputes/cases 

· Process ATM/Debit Card applications and Card Maintenance 

· Address internal and external customer inquiries and research requests promptly, accurately and professionally 

· Perform ATM Network and Switch daily reconciliation 

· Maintain customer cards for travel notifications and temporary limit increases 

· Identify patterns of fraudulent card activity and report such to MasterCard and the Security Department for industry awareness 

Compliance 

· Knowledge of Bank policies and procedures, State and Federal laws and regulations 

· Responsible for compliance regulations related to this position and receiving appropriate training including but not 

limited to: 

Annually 

Ø Bank Secrecy Act (BSA) 

Ø Office of Foreign Assets Control (OFAC) 

Ø USA Patriot Act 

Ø All other applicable compliance regulations are identified by subject matter experts and are listed  in the master compliance training spreadsheet

Other Functions 

· Assist with research/service of process requests as needed 

· Ensure activities within assigned functional area of responsibility are in compliance with Bank policy, and State and Federal Regulations 

· Perform other duties as requested

*The above is a description of the ordinary duties of the position. It should be expected that from time to time other duties, both related and unrelated to the above, may be assigned and, therefore, required.

Education and Experience 

High school diploma required. Two to five years banking experience preferred or some comparable combination of education and experience. 

Equipment and Software 

Ability to operate personal computer, Microsoft Word and Excel and Outlook.

Physical Qualifications 

· Ability to sit or stand in an erect position and ability to extend ones arm(s) in any direction 

· Ability to express or exchange ideas by means of the spoken word, both speak and hear 

· Ability to be subject to substantial repetitive motions of the body or its parts 

· Ability to lift up to 20 pounds occasionally and/or a negligible amount of lifting frequently or constantly to move objects

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Consider this description the foundation of your job, not its boundaries. Expect to participate in training sessions and activities not described here which enhance the quality of service to the customer.

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