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Deposit Operations Officer Jobs (NOW HIRING)

Golden Bank NA

Deposit Operations Officer

Houston, TX · On-site

Position Overview The Deposit Operations Officer is responsible for supporting the Bank's deposit operations functions to ensure accurate, timely, and compliant processing of deposit-related ...

Bank of Hope

Deposit Operations Officer

Honolulu, HI · On-site

$23 - $27/hr

The Deposit Operations Officer is responsible for managing the day-to-day operations of a bank's deposit accounts, ensuring the accuracy and efficiency of transactions, maintaining compliance with ...

Hope Bank

Deposit Operations Officer

Honolulu, HI

$23 - $27/hr

The Deposit Operations Officer is responsible for managing the day-to-day operations of a bank's deposit accounts, ensuring the accuracy and efficiency of transactions, maintaining compliance with ...

Nola Bank

Deposit Operations Specialist

New Orleans, LA · On-site

The Deposit Operations Specialist will handle account maintenance, ACH and wire processing, debit ... Direct access to and mentorship from the Chief Credit Officer and senior leadership. Nola Bank is ...

Ascend Bank

Senior Operations Officer

Wallingford, CT · On-site

The Senior Operations Officer (SOO) is a forward-thinking, highly organized, and strategically ... Define and enforce control standards for critical operational processes (e.g., payments, deposit ...

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Deposit Operations Officer information

See salary details

$31.5K

$77.3K

$136.5K

How much do deposit operations officer jobs pay per year?

As of Jun 29, 2026, the average yearly pay for deposit operations officer in the United States is $77,254.00, according to ZipRecruiter salary data. Most workers in this role earn between $39,500.00 and $102,500.00 per year, depending on experience, location, and employer.

What is the difference between Deposit Operations Officer vs Deposit Services Specialist?

AspectDeposit Operations OfficerDeposit Services Specialist
CredentialsTypically requires banking or finance certifications, relevant experienceSimilar credentials, often entry to mid-level banking certifications
Work EnvironmentBanking operations department, back-office settingCustomer service centers, branch support roles
Employer & IndustryCommercial banks, financial institutionsRetail banks, credit unions, financial service providers
Search & Comparison IntentUnderstanding operational roles in deposit processingCustomer-facing deposit services roles

The Deposit Operations Officer primarily handles back-office deposit processing, ensuring accuracy and compliance within banking operations. In contrast, the Deposit Services Specialist often interacts directly with customers, providing deposit-related support and services. While both roles require banking knowledge and certifications, their focus areas differ—one on operational efficiency, the other on customer service.

Is operations a high paying job?

The salary for a Deposit Operations Officer varies depending on experience, location, and the employer, but it is generally considered an entry- to mid-level banking role with moderate pay. Salaries typically range from $35,000 to $60,000 annually, with opportunities for advancement and increased compensation with experience and additional certifications. Overall, it is not classified as a high-paying job compared to senior banking or financial management roles.

What is the highest paid position in a bank?

In banking, the highest paid positions are typically executive roles such as Chief Executive Officer (CEO), Chief Financial Officer (CFO), or Chief Risk Officer (CRO). These roles require extensive experience, leadership skills, and often advanced degrees or certifications, and they oversee the bank's strategic direction and operations.

What is the role of a deposit operations officer?

A deposit operations officer manages the processing and settlement of customer deposits, ensuring accuracy and compliance with banking regulations. They handle transaction reconciliation, maintain account records, and often use banking software to support daily operations in a financial institution.

What are the key skills and qualifications needed to thrive as a Deposit Operations Officer, and why are they important?

To thrive as a Deposit Operations Officer, you need a solid understanding of banking regulations, transaction processing, and account management, typically supported by a degree in finance or business and relevant banking experience. Familiarity with core banking systems, payment processing platforms, and compliance management tools is essential. Strong attention to detail, analytical thinking, and effective communication skills help you resolve discrepancies and coordinate with various departments. These skills ensure the accuracy, security, and efficiency of deposit operations, supporting customer trust and regulatory compliance.

How much does a deposit operations specialist make?

The average salary for a deposit operations specialist in Texas ranges from $45,000 to $60,000 annually, depending on experience, certifications, and the size of the financial institution. Entry-level roles may start lower, while experienced professionals with specialized skills can earn higher wages. Compensation often includes benefits such as health insurance and retirement plans.

What is a Deposit Operations Officer?

A Deposit Operations Officer is a banking professional responsible for overseeing the daily operations related to deposit accounts within a financial institution. Their duties often include managing account maintenance, ensuring regulatory compliance, resolving discrepancies, and supporting internal and external customers with deposit-related issues. They play a key role in ensuring smooth transaction processing, accurate record-keeping, and adherence to industry standards and policies. This position typically requires strong attention to detail, problem-solving skills, and knowledge of banking regulations.

What are some common challenges faced by Deposit Operations Officers and how can they be effectively managed?

Deposit Operations Officers often encounter challenges such as maintaining compliance with changing banking regulations, ensuring accurate transaction processing, and managing large volumes of data. Staying current with regulatory updates and implementing robust internal controls can help avoid compliance issues. Effective communication and collaboration with IT, compliance, and front-line staff are also key, as these teams work together to resolve discrepancies and improve operational efficiency. Leveraging technology to automate routine tasks and participating in ongoing training can further enhance performance and reduce errors.
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Deposit Operations Officer jobs near you
Deposit Operations Officer

Deposit Operations Officer

Golden Bank NA

Houston, TX • On-site

Full-time

Posted 10 days ago

Job description

Position Overview

The Deposit Operations Officer is responsible for supporting the Bank’s deposit operations functions to ensure accurate, timely, and compliant processing of deposit-related activities. The position provides operational support to branch personnel and internal departments while maintaining a high level of customer service and adherence to Bank policies and regulatory requirements.


The Deposit Operations Officer assists with maintaining departmental procedures and may recommend operational improvements within assigned responsibilities.


Job Description

Deposit Operations Processing

Perform deposit operations activities including, but not limited to:

  • Exception item processing.
  • Deposit account maintenance.
  • Stop payments and holds.
  • Item processing and adjustments.
  • ACH processing in accordance with NACHA Rules.
  • Debit card maintenance and dispute processing.
  • Legal requests, levies, garnishments, and subpoenas.
  • Dormant account and escheatment processing.
  • Customer information maintenance.
  • Research and resolution of operational issues.

Customer and Branch Support

  • Provide exceptional customer service to internal and external customers.
  • Support branch personnel with operational inquiries and complex transactions.
  • Maintain positive working relationships with all departments and vendors.
  • Assist in resolving customer issues and operational concerns.

Procedures and Operational Support:

  • Follow established departmental procedures and Bank policies.
  • Assist with maintaining procedures and related documentation.
  • Recommend operational improvements to management when appropriate.
  • Support implementation of approved procedural changes.

Compliance and Record Retention:

  • Ensure compliance with Bank policies, banking regulations, and applicable laws.
  • Maintain departmental records in accordance with retention requirements.
  • Support internal audits, external audits, and regulatory examinations.
  • Assist with responding to audit requests and implementing corrective actions as directed.

Staff Development and Team Support:

  • Assist with training and cross-training activities.
  • Promote teamwork and collaboration among departments.
  • Provide backup support for operational functions as needed.
  • Perform additional duties as assigned.

Qualifications


  • Bachelor’s degree preferred or equivalent banking experience.
  • Minimum three years of banking operations experience.
  • Knowledge of deposit operations, ACH processing, and banking regulations.
  • Strong organizational, analytical, and communication skills.
  • Ability to manage multiple priorities and meet deadlines.
  • Proficiency with core banking systems and Microsoft Office applications.


The responsibilities described are not all-inclusive and may be amended, as necessary. This position may require the execution of additional duties as assigned to support departmental and organizational objectives.