Deposit Operations Specialist

At SmartBank, our benefits package is designed to enhance your life. You'll enjoy medical, dental, vision, life, and disability insurance, as well as a 401(k) plan with a 4% employer match. Our generous paid time off (PTO), SmartFlex Days, and 11 Paid Company Holidays promote work-life balance. Engage in paid community involvement, enjoy company apparel, and access tuition reimbursement for your growth.

About Us

SmartBank is rooted in our core values: Acting with Integrity, Being Enthusiastic, Creating Positivity, Demonstrating Accountability, and Embracing Change. Our team lives and breathes these values to fulfill our core purpose: creating "WOW" experiences for our clients. For over 15 years, we've been delivering on this purpose in Tennessee, Alabama, and Florida, and we're continuously expanding our reach. Our team is empowered to care for our clients and actively participate in the communities we serve. At SmartBank, we prioritize individual needs, set high expectations, and celebrate achievements – that's the SmartBank way.

Your Role as a Deposit Operations Specialist

As a Deposit Operations Specialist, you'll play a vital role in our mission. Your responsibilities will include:

• Embodying SmartBank's Core Values and Core Purpose.


• Follow and embrace the SmartBank Way


• Provide excellent customer service to clients and/or fellow associates by investigating complaints, resolving issues and providing other assistance as needed.


• Prints notices and interest checks for mailing.


• Complete deficit balance processing, chargeback of checks, non-posted items, system corrections and check adjustments as assigned.


• Ensure documentation is maintained and scanning completed according to departmental standards.


• Assists with research projects, such as court-ordered subpoenas or account levies and garnishments.


• Performs new account documentation review as assigned.


• Process documentation account exceptions in a consistent manner as established by departmental standards.


• Complete new account documentation scanning and indexing in a timely manner.


• Make appropriate entries into the core system, general ledger or correspondent accounts.


• Reconciles appropriate accounts and assist others in reconcilement problems and error resolutions.


• Perform wire input and/or verifications as needed to process incoming and outgoing wires for both domestic and international.


• Verify daily stop payments noted on the stop payment report.


• Perform Large Dollar monitoring.


• Assist in dormant account review and escheatment process.


• Process as assigned debit card or ACH disputes.


• Assist with the DDA charge-off process.


• Complete foreign items in a timely manner.


• Monitor Consumer Mobile Deposits daily and complete holds as needed on suspect items.


• Complies with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.


• Ensure required record keeping of documentation is maintained for the department.


• Performs other duties as assigned.

Qualifications for the Ideal Candidate

To excel in this role, you should possess the following qualifications:

• High School Diploma or equivalent.


• Two to five years of related experience in banking


• Exceptional customer service skills.

Work Schedule

The Deposit Operations Specialist typically works during standard business hours from 8:00 a.m. to 5:00 p.m. Monday through Friday.

SmartBank Associate Benefits

SmartBank can offer you a comprehensive benefits package, including:

• Medical, dental, vision, life, and disability insurance.


• A 401(k) plan with an employer match of up to 4%.


• Generous paid time off (PTO), including a minimum of 3 weeks.


• SmartFlex Days.


• Up to 11 Paid Company Holidays.


• Mental health benefits, include 8 free sessions with a coach or certified professional.


• Paid community involvement opportunities.


• Company-provided apparel at no cost.


• Learning and development opportunities, including professional and career development and tuition reimbursement.

Are you ready to be a part of the SmartBank team and experience all these incredible benefits? We look forward to welcoming you to our exceptional team!