Position Summary: Exercises control directly over the functions of the Deposit Operations department, including teller services, account openings/maintenance quality, and proof transit. Responsible for overseeing the accuracy of IRA transactions, account openings, and account maintenance. Support the Operations Officer in completing staff training. Contributes to discussions in strategizing how to improve company performance, streamline work productivity, and keep management costs down. Ensures compliance with overall operating policies and procedures. Must be knowledgeable of the deposit applications, Bank policies and procedures of the bank including CSR, Teller, and deposit operations programs.

Reporting Relationship: Reports to the VP, Operations Officer & IRA Administrator.

Major Accountabilities:

1. Manages and oversees electronic banking, mobile banking and telephone banking systems; debit card administration; and analyzes customer usage of electronic resources. Monitor and ensure daily timelines are adhered to including overdrafts, daily settlements, wires, currency orders and daily entries. Trains on policies and procedures. 

2. As IRA Clerk will support the IRA Administrator. Responsible for reviewing checking transfers, rollovers, new account openings, distributions and contributions to ensure they are accurate as well as maintain proper record-keeping.

Specific Duties:

· Branch capture support for Branches; monitoring for timely “end of day” completion and submissions.

· Safe deposit box administration - annual safe deposit box billing; & manage annual branch scrub/ maintenance, collections, abandoned boxes, etc.

· Identifies needs for system updates and reports to the Operations Officer.

· Participates in projects for deposit related services, products and applications.

· Annual dormant customer notifications & deposit accounts due to surrender to State of LA.

· Alert BSA Officer of abandoned accounts. 

· Assist in preparation of Deposit Operations staff evaluations.

· Purchase Bank CD’s & maintain monthly interest payments.

· Support the Operations Officer in managing public funds. 

· Authorize wires as needed.

· Netlink daily bank position (ACH, Investments).

· G/L Entries (transit items).

· Annual Christmas Club payouts.

· Maintain operations losses & overdraft charge-offs. Report any losses over $1,000 to the Operations Officer.

Manage, train, back-up and become expert in Deposit Operations functions and responsibilities. Ensure department duties are completed accurately and timely. The following list includes back-office duties, but is not all inclusive:

1. IOLTA Administrator – ensure quarterly remittance to LA Bar Foundation & Communications for new IOLTA accounts is completed by staff.

2. Verify new accounts, services and maintenance.

3. Complete name, address and port merges.

4. Safe Deposit Box - new box quality check; monthly statement reconciliations.

5. Research and adjustments.

6. Check collections.

7. Process stop payments, phone transfers, revoked authorizations.

8. Process weekly currency & coin order for branches.

9. Process, authorize and log wires.

10. Netlink daily bank position (ACH Investments).

11. Complete customer verifications.

12. Process unposted (referred) DDA/Savings; OD decisions (10am); entries for g/l clearing purposes; key ACH in Netlink; check large debit & stop pays.

13. Process daily notices (NSF; sweeps; deposit corrections & per day charges).

14. Process incoming Fed returns & scan.

15. Process entries & balance debit card clearing account.

16. Verify and assist Bank Head Teller with balancing their Teller Count sheets to the General Ledger.

17. Process tax levies and garnishments (21-day limit).

18. Monitor overdrawn accounts and process charge-offs to agencies as applicable.

19. Monitor charged off accounts & notify Bank employees and officers.

20. Enroll new e-Statement users; assist with calls & monitor new users for confirmation - notify CSR if not confirmed within 5 days of acct opening. 

21. Manage Enfact notices & research debit card issues/compromises.

22. Monitor internet usage report, assist with new enrollments & service asst.

23. Monitor monthly reconcilement of cash advance tickets and ensure proper identification process followed (thumbprint required).

24. Complete weekly reconcilement of ATMs.

25. Monitor debit cards for fraud.

26. Record removal of statused debit cards.

27. Ensure timely filing & disposal of truncated checks.

28. Send inactivity letters to internet users after 90 days without activity.

29. Process daily mail & maintain file of returned mail; manage postage. 

30. Verify dormant & purged reports.

31. Process ACH originations payroll originators.

32. SSI reclamations; SSA verifications & successions.

33. Supplies for the department.

34. Check Reg CC holds reviewed for compliance.

Work Environment

• This job operates in a clerical, office setting. This role routinely uses standard office      equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.
• Must be able to  work in a team environment with the ability to interact well, and in a positive manner with co-workers and management.

Physical Demands

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. This is a largely sedentary role; however, some filing is required. This would  require the ability to lift files, open filing cabinets and bend or stand on a step stool as necessary.

Other Duties

· Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

· Guaranty Bank and Trust Co. is an Equal Employment Opportunity Employer. Employment policies and decisions on employment and promotion are based on merit, qualifications, performance, and business needs. The decisions and criteria governing the employment relationship with all employees are made in a nondiscriminatory manner, without regard to race, religion, color, national origin, sex, age, physical or mental disability, sexual orientation, gender identity, veteran status, or any other factor determined to be unlawful by federal, state, or local statutes