Electronic Banking Manager

This positions plans, coordinates, administers, and manages the day-to-day activities, operations, and functions of ATM/Debit Card Services, Automated Clearing House (ACH) Operations, Online Banking, and Treasury Management Services including Sweeps, Electronic Tax Payments, Remote Deposit Capture, and Positive Pay. Responsible for managing team performance and delegating duties to direct reports. **Candidate under consideration**

Operational Management  35%

• Oversight and operational management of digital products and services including payments.
• Actively participate in the design, development, and risk management of digital products and services.
• Provide leadership and direction for the day-to-day oversight and processing of products and services with a focus on operational efficiencies and regulatory compliance.
• Manage assigned third-party vendor relationships to ensure delivery of service level agreements and attention to expense control.
• Oversee internal workflows and organizational development.
• Assess current processes and controls to help identify and define forward-looking solutions that improve processing, client experience, system and operator controls to establish a best-in-class foundation for the future. Develop a strong understanding of any issues, analyze root cause scenarios, articulate key risks and customer impacts, develop, and provide feedback on appropriate remediation strategies, validate and test the remediation plans and provide assurances of quality.
• Recruit, select, train, and provide leadership and performance feedback for direct reports.
• Establish goals and work plans consistent with Bank strategy and monitor progress.
• Approve department expenditures within authorized limits.
• Oversee, lead, and manage projects and research as assigned. These projects can involve new technologies and products that improve the customer experience.
• Recommend wage adjustments, staffing and work assignments.
• Manage Reg E and Card Dispute process.

Treasury Management and Online Banking Services:  30%

• Oversee the Bank’s Treasury Management and Online Banking Services to include consumer and business onboarding new customers, back-office processing, file limits, credit limit increases, balancing, ACH file originations, and ACH receipt.
• Enforce and comply with all regulations, policies, and procedures regarding customer ACH offerings.
• Administer balancing reporting, account reconciliation, wire services, automated clearing house, electronic funds transfer, electronic data interchange services, electronic tax payment, corporate sweep services (ZBAs, TBAs, Line Sweeps & External Sweeps).
• Manage Remote Deposit Capture (RDC) platform.

ATM/Debit Card Services:  25%

• Manage the bank’s Debit Card program to include daily operations, instant issuance platform, new products, and fraud monitoring.
• Maintain and review ATM and Debit Card limits.
• Enforce and comply with all regulations, policies, and procedures.
• Manage the ATM fleet to include ATM strategy, budgeting, ATM procurement, maintenance, and servicing.
• Collaborate with internal and external teams on ATM network issues, configurations, and disaster recovery practices involving ATMs.
• Manage ATM servicing vendor.
• Manage and resolve daily risk management issues related to ATM/Debit Cards.
• Monitor balancing of offsite ATMs.
• Review fraud trends, work with fraud vendors and Risk mitigation analyst to mitigate any issues that might harm the bank and its customers.
Reporting:  5%

• Provide Management reporting to include audit requests, risk assessments, updating Electronic Banking policies, and board reports.

Non-Essential Functions:  5%

• Perform special projects and research as assigned.
• Perform other duties as assigned.

Competencies:

Change Leadership: Initiates change instead of reacting to outside pressures for change. Demonstrates support for changes intended to improve the organizations effectiveness. Helps employees understand and adjust to new roles, challenges, and expectations; helps employees anticipate and plan for the effects of change and manage the anxiety associated with significant change.

Coaching: Helps staff to discover and leverage their strengths, recognize obstacles to success, and identify a course of action to help them maximize performance; provides development opportunities and support through ongoing training and feedback; acts as a role model.

Developing Others: Recognizes talent, delegates responsibility and coaches others to develop their capabilities. Gives people assignments that help develop their abilities. Tailors development suggestions (training, learning opportunities, key experiences) to fit individual needs. Regularly meets with employees to review their development progress.

Leadership: Influences or motivates others to work toward shared objectives that are in the best interests of the Bank; inspires others by example to perform to the highest standards; sets and/or involves others in setting goals that are challenging, realistic, and measurable.

Motivating Others: Creates a climate in which people want to do their best and feel their work is important; inspires and empowers others; foster open dialogue; shares wins and successes; invites input from each person; values diversity; uses rewards and recognition to engage and retain employees.

Performance Management: Establishes measurable goals and expectations, tracks progress, and provides direct and specific behavioral feedback; addresses problems promptly, minimizing the intensity and impact on productivity; delivers difficult messages in a constructive, supportive, and positive manner; treats all staff fairly and differentiates compensation and rewards based on performance.

Staffing / Retention: Promotes the Bank to prospective employees to continuously enhance the talent pool; applies a rigorous process and criteria in interviewing and selecting the best people; strengthens the team through diversity; matches talents to the appropriate job; identifies retention risks and opportunities; develops strategies and takes action to retain key people.

Teambuilding: Creates a high-performance work environment where employees unite to complete shared objectives. Enlists the active participation of everyone. Empowers team to achieve goals by providing resources, training, responsibility and authority. Holds team accountable for performance; promotes cooperation with other department and/or branches. Ensures all team members are treated fairly; recognizes and encourages behaviors that contribute to teamwork.

Analytical Thinking: Divides an object or issue into its component parts in order to understand how they interrelate; recognizes cause and effect relationships; considers several explanations/plans and makes logical conclusions.

Business Acumen: Demonstrates thorough understanding of a wide range of elements of the Bank’s business and the customers, industries, and partners with which the Bank is involved; has knowledge of competitor offerings, and understands the Bank’s related products and services, as well as existing gaps.

Change Management: Handles change proactively; embraces and adapts to organizational change; positive communications regarding changes.
Planning / Organizing: Coordinates resources effectively and develops courses of action that support strategic goals and objectives; anticipates potential problems and takes proactive steps to avert or overcome them.

Product Knowledge: Demonstrates a working knowledge of the features and benefits of the products and services offered and understands how those features benefit customers.

Technology: Uses automated systems or tools to simplify, improve, and increase efficiency of work processes; embraces and adapts to changes in technology.

Minimum Qualifications:

Bachelor’s degree in Business Administration or related field; or an equivalent Degree combination of education and experience.

Five years experience in the banking or financial industry that includes any combination of experience in leadership roles in digital products, online banking services, ATM/debit card services.

Licenses and Certifications:

Valid driver's license required

Knowledge, Skills and Abilities:

• Knowledge of a broad range of cash management and electronic operations.
• Knowledge of fee-based products.
• Skills operating a personal computer including word processing, spreadsheet and presentation software.
• Ability to understand the technical and financial aspects of cash management and fee-based products.

Physical Requirements:
Office Worker: Ability to stand, bend, stoop, sit, walk, twist and turn. Ability to lift up to 15 pounds occasionally. Indoor office work environment with a majority of time sitting at a desk.

Compensation:  

The hiring range for this position is $92,938 to $104,556 annually. The compensation offered will fall within this range, commensurate with the candidate's applicable experience, education and skills.