Job Description
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FUNCTION: The Transactional Banking Specialist works within Deposit Operations and handles routine/high-volume tasks on the Transactional Banking Team while aiding in the implementation and execution of consistent controls to mitigate operational risk. The Transactional Banking Specialist Responds to requests in an efficient and thorough manner with a focus on prompt and knowledgeable resolutions. Demonstrates and develops a high-level of proficiency with the bank's core banking system (Jack Henry Silverlake). Performs maintenance, processing and reviews of all deposit related transactions done throughout the bank including incoming and outgoing Automated Clearinghouse (ACH) transactions, ATM transactions, Remote Deposit Captures transactions, Vertex teller transactions, and check files.
This is a full-time career opportunity based in Bangor, Maine that provides both remote and on-site work options with a required minimum of three days a week in the office. The hybrid (remote/on-site) work option is available upon successful completion of initial training (approx. 90 days).
Key Accountabilities
- Provides superior customer service by responding to telephone and/or email inquiries, requests and issues and proactively addressing internal customer inquiries/concerns. Researches and resolves problems and errors by taking ownership and following through to resolution.
- Reviews and processes incoming and outgoing ACH files, as well as, performs any ACH related maintenance, returns, and corrections.
- Processes both incoming and outgoing check image files with the Federal Reserve and other financial institutions. Monitors remittances to and from these institutions and researches any discrepancies making correcting adjustments as necessary.
- Researches various items such as unposted transactions, exceptions, death notifications, reclamations, stop payments and performs maintenance as necessary.
- Processes daily Corporate and Consumer Remote Deposit Capture files, Vertex teller capture files and ATM deposit files researching and correcting any issues that may occur.
- Understands, reviews, and adheres to NACHA ACH Operating rules, Regulations and ECCHO items processing guidelines.
- Develops and maintains a thorough understanding of Jack Henry Silverlake, 4Sight, Check 21, Treasury Online and other critical bank systems. Works with the appropriate third party contacts when issues or questions may arise.
- Works closely with Treasury and Payment Services to ensure seamless customer service as it relates to ACH and check processing.
- Proactively looks for and communicates opportunities for process improvements within their team, the department, or the bank that lead to efficiency, better customer service, or risk reduction.
- Communicates any pertinent information to supervisors, team members, and internal/external customers to ensure timely resolution of all problems and customer service situations.
- Routinely shifts area of focus based on the needs of the team and/or department. Able to be flexible and adaptable at all times.
Levels
- A Level I Transactional Banking Specialist will be proactively training towards gaining sufficient knowledge in the processes and accountabilities associated with the position in order to be able to operate independently and with a high level of confidence.
- A Level II Transactional Banking Specialist will be fully proficient in all, or nearly all, processes associated with the position, be able to operate with minimal supervision or assistance, and will proactively work towards cross training team members, updating procedures, and assisting with more complex or higher level tasks as necessary.
- A Level III Transactional Banking Specialist will have a detailed understanding of job specific processes as well as the impact and relation to other processes and business lines, will routinely work with highly complex or detailed problems, will proactively assist with projects and identifying process improvements, and will exhibit leadership by example within the department as a whole.
General Accountabilities
- Consistently maintains a high level of customer service when dealing with customers an employees and strives to complete all time-sensitive processes by the appropriate deadline.
- Interacts harmoniously and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork.
- Conforms to acceptable punctuality/attendance standards as expressed in the Employee Handbook.
- Performs additional duties as requested.
Compliance and Control
- Assists in ensuring that the Bank is in compliance with local, state and federal regulations.
- Completes Risk Management and Performance Measurement tasks assigned by Management in a timely manner.
Key Competencies
- Creativity/Innovation - Looks for opportunities to increase efficiency and effectiveness throughout the department. Has ability to constructively challenge assumptions and seek/develop new and different ways to improve performance and engagement throughout department. *
- Adaptability/Flexibility - Adapts to change, is open to new ideas, takes on new challenges, handles pressure, and adjusts plans to meet changing needs.
- Proactivity/Initiative - Takes independent action, operates as a pro-active self-starter, and acts on opportunities, practices self-development.
- Integrity/Ethics - Deals with others in a straightforward and honest manner, is accountable for actions, maintains confidentiality, supports company values, and conveys news good or bad.
- Interpersonal Skills - Has excellent communication skills, both written and verbal as well as the ability to exhibit active listening skills and being open other viewpoints, perspectives, etc.
- Organizational Skills - Able to effectively manage, prioritize and keep track of multiple tasks/projects/requests at any given time.
- Vision/Values - Supports company mission/values through daily actions and decisions, communicates the Bank's vision, mission and values to others, and incorporates vision when planning
Knowledge/Experience - High school diploma or equivalent required. College, business or banking professional training preferred.
- Exhibits professionalism in handling multiple tasks in a fast paced-environment.
- Organized, sets priorities, and meets deadlines.
- Strong communications skills, both verbal and written.
- Excellent customer service skills required.
- Attention to detail, emphasis on accuracy.
- High degree of analytical skills and the ability to handle complex problems.
- Strong multitasking skills including the ability to remain highly accurate with the data while completing multiple simultaneous tasks.
- Ability to work with little supervision.
- Proficient with computer systems. Experience with Microsoft Outlook, Word, and Excel.
Physical Demands/Conditions Requirements
- General office environment
- Moderate lifting (to 35 lbs.) required. Moderate reaching, walking, sitting and standing required
Equipment used
External and internal applications, as well as position incumbents who become disabled, must be able to perform the essential functions either unaided or with the assistance of a reasonable accommodation to be determined by management on an individual basis.
Seniority level
Seniority level
Entry level
Employment type
Employment type
Full-time
Job function
Job function
Accounting/Auditing and Finance Industries
Accounting
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Job Tags
Full time, Part time, Work at office, Local area, Remote work, Flexible hours, Shift work, 3 days per week,