Deposit Operations Specialist
Austin, TX
Full Time
ACB Corp Operations
Mid Level
About Us:
At Austin Capital Bank, we create financial products and services that do good by enhancing our customers’ financial well-being. Our commitment to creating meaningful user experiences drives everything we do, and we’re rapidly growing while keeping that start-up spirit alive.
Austin Capital Bank is one of the fastest-growing companies in the nation, receiving recognition on the Inc. 5000 five years in a row. Austin Business Journal also recognized Austin Capital Bank on its Fast 50 list for the fastest-growing companies in Central Texas. We ranked #8 in companies with over $10 million per year in revenue.
We think and act like an entrepreneurially driven start-up BUT one that is profitable—the best of all worlds. Using our bank as a platform, we’re growing quickly and expanding into new digital markets and product categories at a rapid pace.
With all this opportunity and growth, we need exceptional individuals to join our team and enable our vision.
Why You’ll Love Working Here:
Our Core Values:
We are nice folks, but unapologetically fierce competitors in the marketplace who work as a team. Every member of our team embodies our core values. We work, hire, fire, and promote by these values.
If you’re someone who is always ready to take initiative and isn’t afraid to roll up their sleeves, you’ll fit right in. We're big on humility here, cherishing honesty, and embracing emotional intelligence and self-awareness.
What You’ll Do:
As a Deposit Operations Specialist, you will serve as a key operational resource responsible for monitoring, analyzing, and improving the bank's deposit operations environment. This role partners closely with Operations leadership to identify operational risks, resolve issues, enhance controls, improve procedures, and support operational initiatives. The Deposit Operations Specialist exercises their judgement in evaluating account activity, operational exceptions, compliance requirements, and process improvement opportunities.
What You’ll Bring:
To thrive in this role, you’ll need to be friendly, detail-oriented, and dependable. We’re looking for candidates who have:
Other Details:
At Austin Capital Bank, we create financial products and services that do good by enhancing our customers’ financial well-being. Our commitment to creating meaningful user experiences drives everything we do, and we’re rapidly growing while keeping that start-up spirit alive.
Austin Capital Bank is one of the fastest-growing companies in the nation, receiving recognition on the Inc. 5000 five years in a row. Austin Business Journal also recognized Austin Capital Bank on its Fast 50 list for the fastest-growing companies in Central Texas. We ranked #8 in companies with over $10 million per year in revenue.
We think and act like an entrepreneurially driven start-up BUT one that is profitable—the best of all worlds. Using our bank as a platform, we’re growing quickly and expanding into new digital markets and product categories at a rapid pace.
With all this opportunity and growth, we need exceptional individuals to join our team and enable our vision.
Why You’ll Love Working Here:
- 100% Employer-paid Medical, Dental, & Vision Insurance - Full coverage for employee-only plans, with affordable options to add your family.
- Generous Paid Time Off (PTO) - Start with 16 days per year and grow to 30 days as your tenure increases.
- Paid Holidays - 11+ paid holidays in a year so you can enjoy your time off.
- 401(k) with 4% Employer Match - Build your future with company-matched retirement savings.
- Monthly Chair Massages - Relax and recharge on us.
- Consistent Schedules & Work-Life Balance - No evenings, weekends, or weird hours—just the work-life balance of a normal human.
- Opportunities to Grow - Career development, tuition assistance, and the ability to explore roles across the bank.
- A Team That Feels Like a Team - Supportive coworkers, positive environment, and leadership that actually listens.
Our Core Values:
We are nice folks, but unapologetically fierce competitors in the marketplace who work as a team. Every member of our team embodies our core values. We work, hire, fire, and promote by these values.
- Take Initiative – A bias to action
- No Big Egos – Self-confidence with humility
- Honesty – Respectful and direct forthright communication
- Wicked Smart – Intellectually and emotionally self-aware
If you’re someone who is always ready to take initiative and isn’t afraid to roll up their sleeves, you’ll fit right in. We're big on humility here, cherishing honesty, and embracing emotional intelligence and self-awareness.
What You’ll Do:
As a Deposit Operations Specialist, you will serve as a key operational resource responsible for monitoring, analyzing, and improving the bank's deposit operations environment. This role partners closely with Operations leadership to identify operational risks, resolve issues, enhance controls, improve procedures, and support operational initiatives. The Deposit Operations Specialist exercises their judgement in evaluating account activity, operational exceptions, compliance requirements, and process improvement opportunities.
- Monitor ACH, wire, and payment operations. Investigate exceptions, identify risks, and independently resolve operational issues while ensuring compliance with applicable policies and regulations.
- Perform account maintenance and review customer account documentation for accuracy and completeness.
- Analyze operations and exception reporting trends, identify root causes, recommend corrective actions, and partner with leadership to improve operations effectiveness.
- Analyze reconciliation exceptions, balance internal accounts, general ledger accounts, and other operational reconciliations.
- Prepare and distribute customer notices, correspondence, and required disclosures.
- Serve as an operational resource for online banking, treasury management, and cash management services by resolving issues and recommending operational improvements.
- Exercise independent judgement in reviewing account issues, determining appropriate resolutions, and escalating risks when necessary.
- Investigate transaction disputes, account issues, and operational exceptions. Determine appropriate resolutions and escalate risks when necessary.
- Open and maintain consumer and commercial deposit accounts in accordance with bank policies and procedures.
- Coordinate audit, and compliance review requests by gathering documentation, researching finding, evaluating corrective actions, and supporting remediation efforts.
- Gather and provide documentation for formal complaints, subpoenas, and other legal or regulatory requests.
- Serve as an operational liaison with Jack Henry and other third-party vendors to troubleshoot issues, coordinate solutions, evaluate system enhancements, and support operational initiatives.
- Perform interest adjustments, account corrections, and other maintenance activities as needed.
- Lead assigned operational improvement initiatives, recommend policy and procedural enhancements, and independently coordinate implementation across business functions.
- Maintain a thorough understanding of bank policies, procedures, and regulatory requirements.
- Maintain familiarity with branch operations and provide operational support during periods of increased business need.
- Cross-train and collaborate with other departments to support overall branch and operational needs.
- Process improvement ownership.
- Procedure development.
- Interpret operational policies, regulatory requirements, and internal controls in situations where established procedures do not fully address the issue and recommend appropriate courses of action.
- Prepare recommendations for operational policy, and workflow enhancements based on exception trends, audit finding, and business needs.
- Perform other duties as assigned.
What You’ll Bring:
To thrive in this role, you’ll need to be friendly, detail-oriented, and dependable. We’re looking for candidates who have:
- Direct experience using Jack Henry core banking system (preferred).
- Strong attention to detail and commitment to accuracy.
- Knowledge of banking operations, deposit accounts, and transaction processing.
- Ability to manage multiple priorities and meet deadlines.
- Strong customer service and communication skills.
- Ability to maintain confidentiality and exercise sound judgment.
- Proficiency with Microsoft Office products and banking software systems.
- Previous banking operations, deposit operations, or branch operations experience.
- Experience processing ACH transactions and wire transfers.
- Experience with account maintenance, reconciliations, and balancing general ledger accounts.
- Working knowledge of consumer and commercial deposit accounts.
- Online banking, cash management, or treasure management support experience.
- Experience supporting audits, examinations, or compliance reviews.
- Knowledge of banking regulations and operational controls.
- New account opening experience.
- Bilingual (English/Spanish).
- High school diploma or equivalent.
Other Details:
- Schedule: 8:00 am – 5:00 pm Monday – Friday
- Onsite: 3305 Steck Ave. Suite 275, Austin, Texas 78757
- Applicants are encouraged to send a resume directly to Human Resources at [email protected]
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