Deposit Operations Processor Jobs in Baltimore, MD

the Deposit Operations Manager leads and oversees all functions of the Deposit Operations Department, ensuring efficient, compliant, and customer-focused banking operations. Key responsibilities include managing deposit operations, electronic banking, ACH processing, account reconciliation, item processing, ATM settlement, remote deposit capture, disaster recovery, vendor relationships, and regulatory compliance.

At Harford Bank, we pride ourselves on following "The Harford Bank Way" a set of core values that shape our approach to banking and our commitment to our customers, the community, and ethical practices. These values define who we are and how we conduct business. You will lead by example and drive our culture to be infused in every activity with every team member.

RESPONSIBILITIES:

• Responsible for embracing and supporting Harford Bank’s Core Values and Vision.

• Provides supervision of the Deposit Operations department and its areas of responsibility, including items processing, account reconcilement, customer service, electronic banking, disaster recovery, et al.
• Manages various Bank policies and Risk Assessment, including E-Banking, Remote Deposit Capture, and ACH, updating annually and submitting to the Board of Directors and/or Audit Committee.
• Serves as liaison between Correspondent Banks and the Federal Reserve.
• Manages the Bank’s ATM settlement processing, reconciliations, training, and error resolution while ensuring compliance with Regulation E and the Americans with Disabilities Act (ADA).
• Maintains complete knowledge of the payment processing and settlement systems of Deposit Operations and the Bank’s vendors/partners.

• Identifies, analyzes, and recommends new or enhanced processes and procedures to improve effectiveness and efficiency of Deposit Operations and the Bank
• Handles escalated inquiries, problems, and concerns that are of a higher level of impact or sensitivity to the Bank’s customers, employees, and overall reputation.
• Manages and tracks various other Bank programs and areas of concern, such as CDARS, JMFA/Advantage/Fresh Start, overdrafts, deposit account charge-offs, billing accounting, work orders, audit responses, system maintenance, Reg O reporting, et al.
• Represents the Bank through participation in a variety of civic, charitable, educational, and business activities.
• Other duties as assigned by the President of the Bank
  Customer Service
• Provides a superior customer experience by responding to all customer inquiries in a timely fashion, providing clear and concise information in a friendly and professional manner by all channels, including in-person and by telephone, mail, and online messaging.
• Maintains a thorough knowledge of all bank services and departments to properly direct customer inquiries to the area best suited to meet their needs, and cross-sell Bank services when appropriate.

            Leadership

• Sets the tone and expectations for creating a superior customer experience (internally and externally) for the team and coaches team members to this expectation.
• Supervises the Deposit Operations department including coaching, mentoring, scheduling, training, evaluating performance, and processing personnel actions such as promotions, transfers, salary increases, and corrective actions.
• Clearly articulates and continuously monitors detailed performance goals and expectations.
• Participates in the long-term planning and execution of the Bank’s strategic plan with senior management.
• Leads project teams in major conversions and implementations of new systems and services, coordinating all necessary departments and vendors.
• Serves on the Senior Management, ALCO, Project Management, and Compliance committees.

Banking Policies

• Demonstrates complete understanding through the implementation of policies, procedures, and contracts as it relates to legal and regulatory compliance within your area of responsibility.
• Complies with Bank policies including Bank and customer information security, code of ethics, operational policies and procedures and standards communicated in the employee handbook.
• Completes required compliance modules.
• Reads and applies all internal communications distributed within the Bank.

• May perform other duties as assigned.

Qualifications:

• Bachelor’s degree in business, finance, or a related field, comparable experience may be substituted.
• 10+ years of experience in a banking environment, with increasing level of responsibility.
• A minimum of 5 years of supervisory/leadership experience.
• Superb interpersonal skills, along with the ability to coach and develop people.
• Strong verbal and written communication skills.
• Extensive experience with various types of banking software.

Harford Bank is an Equal Opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, Protected Veteran status, and sexual orientation/gender identity.