The ideal candidate will be able to work in Sioux Falls, SD.  Willing to consider a hybrid work arrangement. 

The Deposit & Payment Operations Manager leads all deposit and payment-related operational functions, ensuring accuracy, compliance, efficiency, and scalability. This includes oversight of ACH, wires, Reg E, exception processing, reconciliation, account maintenance, and quality assurance. The role drives process improvement, automation, and internal control enhancements while developing and managing a high-performing operations team.

An Accredited ACH Professional (AAP) certification is required to ensure technical expertise in payments and risk management.

Key Responsibilities

Deposit & Payment Operations

• Oversee daily deposit account functions, including ACH, wires, Reg E, exception processing, account maintenance, reconciliations, and quality reviews.
• Direct payment operations for ACH, wires, RTP, card services, and emerging payment technologies with a focus on accuracy, compliance, and risk management.
• Maintain and  update departmental SOPs, workflows, internal controls, and business continuity plans.
• Represent deposit operations in audits and examinations; ensure timely resolution of findings.
• Monitor and report on operational KPIs such as accuracy, turnaround times, and reconciliation exceptions.

Technology, Process & Risk Management

• Implement automation and process improvement initiatives to reduce manual tasks and improve scalability.
• Ensure operational processes meet regulatory, audit, and security standards.
• Address risk areas in deposit and payment operations proactively and execute remediation plans.
• Serve as a subject matter expert on core systems (e.g., CSI NuPoint) to optimize system use.

Team Leadership & Development

• Lead, mentor, and develop the deposit operations team, fostering accountability, service  quality, and continuous improvement.
• Provide hands-on support and coaching until workflows and staff expertise are  fully established.
• Partner with the Banking Solutions Manager to align deposit operations with hybrid staffing models.
• Oversee recruitment, training, supervision, and performance management for team members.

Bank Standards

• Mission – Helping People Succeed Financially
• Ethics – We always do the right thing at work and in our personal lives.
• Solution – We bring solutions to challenges and are always looking for ways to be better.
• Ownership – We are accountable in our roles and accept responsibility for our mistakes.
• Positivity – We bring positive energy and enthusiasm to everything we do.

Disclaimer:

The statements contained in this job description describe the general nature and level of work being performed by the person accepting this role. “Secondary Duties and Responsibilities” are considered incidental or secondary to the overall purpose of the job. This job description does not state or imply the only duties and responsibilities assigned to this job. Employees holding this job will be required to perform any other job-related duties requested by management. All job requirements are subject to possible modification to reasonably accommodate individuals with a disability.

Education & Experience

• Bachelor’s degree in Business, Finance, or related field (or equivalent work experience).
• 5–7 years of experience in banking operations with a focus on deposits and payments.
• 3+ years of management or supervisory experience.
• Strong knowledge of ACH, wire processing, Reg E, exception handling, and compliance requirements.
• Proven experience in process improvement, automation, and operational risk remediation.
• Experience with CSI NuPoint or a similar core banking system preferred.

Certifications

• AAP (Accredited ACH Professional) - required
• APRP (Accredited Payments Risk Professional) or CTP (Certified Treasury Professional) - preferred

Preferred Qualifications

• Lean or other process improvement/project management experience.
• Experience leading digital transformation or automation projects in a banking environment.
• Demonstrated success in managing hybrid or flexible workforce models.

Key Competencies

• Operational Excellence: Strong focus on compliance, accuracy, and efficiency.
• Execution-Oriented: Skilled at stabilizing operations and improving processes.
• Leadership: Proven ability to lead, coach, and develop teams.
• Innovation: Experience leveraging automation and technology for operational improvements.
• Results-Driven: Committed to delivering measurable improvements in service and performance.