Deposit Account Servicing Representative I, Deposit Services Department, South Bend, IN

POSITION SUMMARY

Responsible for performing maintenance on existing accounts, processing exception items through online decision support, and resolving issues related to client deposits and returns.

ESSENTIAL RESPONIBILITIES

• Reviews and processes Positive Pay items; makes decisions and communicates with clients.
• Prepares daily Check and ACH Return files.
• Creates and approves Bank Transaction Entries (BTEs).
• Makes online decisions to pay or return items.
• Ensures transactions are accurately coded.
• Manages overdrawn accounts, including posting or returning checks and fees.
• Performs account maintenance related to Overdraft Privilege, charge-offs, and closure/purging of compromised accounts.
• Completes INSIGHT service requests in a timely manner.
• Handles general account maintenance requests.
• Processes AVS/SSA and confirmation requests for account information.
• Reviews and monitors daily, weekly, and monthly reports.
• Manages filing, correspondence, and other clerical duties.
• Ensures work complies with state and federal regulations, company policies, and Standard Operating Procedures (SOPs).
• Represents the bank professionally in all interactions-face-to-face, written, and by phone.
• Adheres to compliance standards, including the Bank Secrecy Act (BSA), documentation quality, timeliness, and support of back-office processes.
• Verifies report accuracy from previous day's input.
• Collaborates with branches to resolve account issues.
• Provides positive client experience.
• Regular and predictable attendance is an essential requirement of the position.
• Responsible for the completion of all required compliance training.
• Must understand all applicable laws and regulations that apply to the position and comply with the requirements.

NON-ESSENTIAL RESPONSIBILITIES

Perform other duties as assigned

EXPERIENCE/SKILLS

• Minimum six (6) months of experience in financial services, banking customer service, administration, or clerical work (preferred).
• Knowledge of banking industry standards related to Deposit Operations (preferred).
• Basic understanding of bank operations, products, services, and systems.
• Familiarity with relevant legislative and regulatory processes.
• Understanding of debit and credit processing.
• Knowledge of Regulation CC and appropriate hold policies.
• Proficiency in Microsoft Office (Excel, Word, etc.).
• Strong verbal and written communication skills.
• Excellent customer service and interpersonal skills.
• Ability to work effectively in a fast-paced environment.
• Self-starter with a strong work ethic.
• Maintains confidentiality of customer and account information.
• Ability to multitask and prioritize effectively.
• High attention to detail and a strong sense of urgency.
• Team-oriented mindset and positive attitude.

EDUCATION

High School Diploma/GED required.

TRAVEL REQUIREMENTS

Minimal or occasional travel for meetings, projects or training.

PHYSICAL DEMANDS

The physical requirements described here are representative of those necessary to perform the essential functions of the role. Reasonable accommodation may be made enable individuals to perform the essential functions.

While performing the duties of this job, the employee is required to sit, stand and walk; use hands and fingers to operate keyboard and other office equipment; reach with hands and arms; and talk or hear. The employee is occasionally required to stoop or kneel. The employee may occasionally lift and/or move up to 10 pounds.

EQUIPMENT

Standard office equipment including PC with Microsoft Office, fax machine, phone, and other related tools.