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Deposit Operations Officer Jobs (NOW HIRING)

Kavaliro

Branch Operations Officer

Palm Desert, CA · On-site

$17 - $22.75/hr

Our client is seeking an Information Branch Operations Officer for a direct hire opportunity ... Actively leads team in implementation of sales programs to generate targeted branch deposit growth

Mechanics Bank

Bank Operations Officer

Irvine, CA · On-site

$70K - $85K/yr

Mechanics Bank is currently searching for a Bank Operations Officer to join our team. Here at ... Responsibilities will include the review and approval of ACH Origination, Remote Deposit Capture ...

Mechanics Bank

Bank Operations Officer

Cerritos, CA · On-site

$70K - $85K/yr

Mechanics Bank is currently searching for a Bank Operations Officer to join our team. Here at ... Responsibilities will include the review and approval of ACH Origination, Remote Deposit Capture ...

Sunwest Bank

Branch Operations Officer

Meridian, ID · On-site

Ensure operational activities run smoothly and efficiently for each branch by providing leadership ... deposit capture, debit card and general account inquiries. * Support Sunwest Banks Sales Officers ...

Sunwest Bank

Branch Operations Officer

Meridian, ID

Ensure operational activities run smoothly and efficiently for each branch by providing leadership ... deposit capture, debit card and general account inquiries. * Support Sunwest Banks Sales Officers ...

Dexian

Branch Operations Officer Scripps Ranch

Poway, CA · On-site

$70K - $78K/yr

Branch Operations Officer Location: Scripps Ranch (San Diego), CA (On-site) Employment Type ... Collaborate with the Branch Manager to achieve deposit growth goals through client prospecting.

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All JobsDeposit Operations Officer Jobs

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 8, 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.

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.

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.
More about Deposit Operations Officer jobs
What cities are hiring for Deposit Operations Officer jobs? Cities with the most Deposit Operations Officer job openings:
What states have the most Deposit Operations Officer jobs? States with the most job openings for Deposit Operations Officer jobs include:
What job categories do people searching Deposit Operations Officer jobs look for? The top searched job categories for Deposit Operations Officer jobs are:
Deposit Operations Officer jobs near you
Infographic showing various Deposit Operations Officer job openings in the United States as of May 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $77,254 per year, or $37.1 per hour.
Deposit & Retail Operations Specialist

Deposit & Retail Operations Specialist

Sonata Bank

Brentwood, TN • On-site

Other

Posted 2 days ago

Job description

Description
Essential Job Duties and Responsibilities
Digital Banking Services
Provide advanced support for Online Banking, Bill Pay, mobile deposits, and account opening review exceptions, including monthly reporting for management.
Exception Item Processing (EIP)
Process daily exception items (NSF, non-post, positive pay, chargebacks) notify officers, process returns, balance items, and submit large dollar return notifications.
ACH Operations
Process, monitor and release ACH files and process manual returns as needed.
Wire Transfers
Review and input wire requests, clear OFAC suspects, process drawdowns, respond to SVC messages, process international wires, and maintain documentation
Debit Card Operations
Process second-tier debit card support, card maintenance, daily balancing, fraud alerts, dispute processing, and card inventory.
General Ledger & Account Reconciliation
Perform daily GL reconciliations, monitor Deposit Operations accounts, and review mobile deposit users and exceptions.
Deposit Confirmations, Benefit Verification & Reporting
Process deposit confirmations, benefit verifications, monitor and report IOLTA account interest, review operational reports, and resolve outstanding items.
Customer Account Administration
Account maintenance, process stop payments, verify holds, interest rate adjustments, review reports, manage dormant/inactive accounts, process FRB adjustments, confirm closed accounts, report charged-off accounts, process reclamations and levies, and review and process subpoenas for compliance.
Qualifications
Education and Experience
• Minimum of two (2) years of experience in bank deposit operations, retail banking, or a related financial services role
• Experience with Jack Henry Silverlake or similar core banking platform preferred
Knowledge, Skills, and Abilities
• Working knowledge of ACH rules (NACHA), Regulation E, BSA/AML requirements, and wire transfer compliance including OFAC screening
• Familiarity with debit card processing, dispute resolution, and network requirements.
• Proficiency with Microsoft Office Suite, experience with banking reporting tools.
• Strong analytical and problem-solving skills with a high degree of accuracy and attention to detail
• Ability to prioritize and manage multiple time-sensitive tasks in a fast-paced environment
• Excellent written and verbal communication skills; ability to interact professionally with internal staff, officers, and external parties
• Demonstrated ability to maintain confidentiality and exercise sound judgment.
• Self-directed with the ability to work independently and as part of a team

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