Deposit Operations Representative I

Citizens Independent Bank

. Serve as the primary point of contact for Online Banking, Mobile Banking, Bill Pay, Mobile Deposit and other digital banking services .

Posted 10/5/2026full-timeRobbinsdale • Minnesota • United StatesJunior💰 $22 - $28 per hourWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in Deposit Operations and Digital Banking, with a strong focus on customer service, regulatory compliance, and operational efficiency. Proficient in managing ACH transactions, debit card operations, and utilizing Jack Henry banking systems.

Highest-signal resume keywords

Deposit Operations ExperienceJack Henry Banking SystemsACH ProcessingRegulatory ComplianceCustomer Service Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

ACH ProcessingDeposit OperationsFraud DetectionDebit Card OperationsOperational ProcessesBalancing and ReconciliationDocument ImagingAccount MaintenanceNACHA RulesCash Management

Soft Skills

Customer ServiceCommunication SkillsProblem-Solving SkillsOrganizational SkillsAbility to Manage Multiple Priorities

Tools & Technologies

Jack Henry SystemsMicrosoft WordMicrosoft ExcelMicrosoft Outlook

Industry Keywords

Digital BankingBSA/AML ComplianceOFAC RegulationsCommunity BankingTreasury Management Solutions

About the role

Key responsibilities & impact

Serve as the primary point of contact for Online Banking, Mobile Banking, Bill Pay, Mobile Deposit and other digital banking services
Perform setup, maintenance, administration and troubleshooting for consumer and business online banking customers
Provide support to customers and employees through phone, email, secure messaging and other service channels
Monitor online services for suspicious or fraudulent activity and take appropriate action
Perform account maintenance and servicing functions for consumer and business deposit accounts
Process stop payments, account changes, corrections, research requests and exception items
Complete balancing and reconciliation activities while ensuring operational accuracy
Support document imaging, record retention and other operational processes
Handle debit card ordering, processing, reporting and customer support
Process and resolve debit card disputes, fraud claims and Regulation E requests
Monitor card activity and identify unusual transaction patterns
Process ACH transactions, returns, Notifications of Change (NOCs) and exception items
Serve as backup support for Cash Management services
Assist with business online banking, Positive Pay, ACH origination and Remote Deposit Capture support and maintenance
Support implementation and ongoing maintenance of treasury management solutions
Monitor deposit, ACH, debit card and online banking activity for potential fraud
Investigate suspicious activity and escalate concerns as appropriate
Support compliance with NACHA rules, BSA/AML requirements, OFAC regulations, Regulation E and other applicable banking regulations
Identify opportunities to improve processes, efficiency, service levels and internal controls
Participate in system testing, upgrades and implementation projects
Maintain and update department procedures and documentation
Complete special projects and research requests as assigned
Provide cross-functional support throughout the Deposit Operations Department

Requirements

What you’ll need

High School Diploma or equivalent required
Minimum of One to three years of banking experience in Deposit Operations, Digital Banking, ACH, Management or a related banking operations role
Working knowledge and experience with Jack Henry banking systems is required, including SilverLake, Banno, Xperience, Synapsys, and other Jack Henry integrated applications
Strong understanding of deposit products, digital banking platforms and operational processes
Demonstrated ability to identify suspicious or fraudulent activity
Excellent customer service, communication and problem-solving skills
Strong organizational skills and ability to manage multiple priorities while meeting deadlines
Proficiency in Microsoft Word, Excel and Outlook
Ability to read, understand and follow policies, procedures and regulatory requirements
Additional education in Business, Finance, Accounting or a related field preferred
ACH processing and NACHA rules experience preferred
Cash Management experience preferred
Debit card operations and dispute processing experience preferred
Community banking experience preferred

Benefits

Comp & perks

Training, advancement and professional growth opportunities
Collaborative and supportive work environment
Work-life balance
Career development and advancement opportunities
Ongoing education and training
Promote-from-within culture
Community involvement and volunteer opportunities
Medical, Dental and Vision Insurance
401(k) with generous employer match
Employer-paid Life Insurance
Short-Term and Long-Term Disability Coverage
Paid Holidays
Birthday Half-Day Off
Generous Paid Time Off
Employee Incentive Compensation Plan