Deposit Operations Specialist in Fredericksburg, Texas at Security State Bank And Trust

NewJob Function: General Business
Security State Bank And Trust
Fredericksburg, Texas, 78624, United States
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Job Description

Department

Bank Operations

Reports To

Deposit Operations Manager

FLSA Status

Non-Exempt

Employment

Full-time; Monday through Friday, 8:00 a.m. to 5:00 p.m.

Location

Fredericksburg Operations Center 1

Travel

Travel between SSB&T locations and to approved business or community events as business needs require.

Company Vision

Security State Bank & Trust (SSB&T) has proudly served Texas communities since 1941. As a growing community bank, SSB&T is committed to building meaningful relationships, delivering exceptional service, and making a positive impact in the communities served.

Guided by the core values of Care, Do What Is Right, and Go Above and Beyond, SSB&T fosters a culture where team members are empowered to grow, contribute, and make a difference.

About the RoleThe Deposit Operations Specialist is responsible for supporting the Bank's deposit operations function by processing transactions, maintaining account records, resolving operational issues, and ensuring compliance with Bank policies and regulatory requirements. Reporting to the Deposit Operations Manager, Operations Manager, or designated leadership, this role works closely with branch personnel, Treasury Management, Compliance, and other operational teams to ensure accurate and efficient administration of deposit accounts and related services.The Deposit Operations Specialist contributes to SSB&T's success by maintaining operational accuracy, supporting customer and branch needs, minimizing operational risk, and ensuring the efficient processing and administration of deposit products and services.Essential ResponsibilitiesChampion SSB&T’s Core Values
  • Demonstrate and uphold SSB&T's core values through professionalism, accountability, operational excellence, and customer service.
Deposit Operations Processing & Account Administration
  • Process and support daily deposit operations activities, including account maintenance, transaction processing, exception handling, and servicing requests.
  • Review and process account updates, customer requests, operational forms, and supporting documentation in accordance with established procedures.
  • Maintain accurate customer and account information within designated banking systems.
  • Assist with processing deposits, account changes, dormant accounts, stop payments, and other deposit-related operational activities.
  • Ensure operational tasks are completed accurately and within established service standards.
Deposit Operations Support & Transaction Review
  • Monitor operational reports, transaction activity, exception items, and system-generated alerts to identify and resolve issues.
  • Research and resolve deposit account discrepancies, posting errors, operational outages, and customer inquiries.
  • Assist with balancing activities, reconciliations, and operational control processes as assigned.
  • Support ACH, wire, debit card, and other deposit-related operational functions as needed.
  • Maintain operational logs, tracking reports, and documentation supporting daily processing activities.
Documentation Management & Record Maintenance
  • Review account documentation for accuracy, completeness, and compliance with Bank policies and regulatory requirements.
  • Maintain organized electronic and physical records related to deposit operations activities.
  • Verify account records, forms, disclosures, and supporting documentation are properly maintained and retained.
  • Identify documentation deficiencies and coordinate corrective action with branch personnel and operational teams.
  • Support document imaging, record retention, and file maintenance activities as required.
Compliance, Risk Management & Quality Assurance
  • Ensure deposit operations activities comply with applicable banking regulations, Bank policies, procedures, and internal controls.
  • Maintain compliance with regulations including BSA, AML, OFAC, Regulation CC, Regulation E, privacy requirements, and other applicable operational requirements.
  • Perform quality control reviews of assigned work to ensure accuracy, completeness, and adherence to established standards.
  • Identify, research, and escalate operational risks, suspicious activity, control deficiencies, or compliance concerns as appropriate.
  • Maintain confidentiality of customer, financial, and Bank information at all times.
Customer Service & Business Partner Collaboration
  • Provide timely and professional support to branch personnel, customers, and internal departments regarding deposit operations matters.
  • Respond to inquiries and requests related to deposit accounts, operational procedures, transactions, and documentation requirements.
  • Collaborate with branches, accounting, electronic banking, treasury management, compliance, and other departments to resolve operational issues.
  • Assist with customer service requests and operational concerns to ensure timely resolution.
  • Maintain positive working relationships that promote operational efficiency and service excellence.
Process Improvement & Team Support
  • Participate in cross-training initiatives to support departmental continuity and workforce flexibility.
  • Identify opportunities to improve operational workflows, processing efficiency, documentation quality, and customer service.
  • Assist with implementation of procedural updates, system enhancements, and operational initiatives.
  • Maintain knowledge of deposit products, operational systems, policies, procedures, and regulatory requirements.
  • Support special projects and additional responsibilities as assigned.
Performance & Accountability
  • Maintain accountability for the accuracy, timeliness, and quality of assigned operational responsibilities.
  • Meet established service levels, processing deadlines, productivity expectations, and quality standards.
  • Ensure operational exceptions and customer requests are addressed promptly and professionally.
  • Demonstrate attention to detail, professionalism, adaptability, and a commitment to operational excellence while supporting the Bank’s mission and objectives.

Nothing in this job description restricts SSB&T’s ability to modify, reassign, or supplement the employee's duties and responsibilities at any time, with or without notice.

Candidate Requirements
  • High school diploma or GED (for teller and entry-level positions)
  • Familiarity with applicable banking regulations
  • Proficiency with standard office software and ability to learn core banking platforms
  • Effective written and verbal communication skills
  • Attention to detail
  • Ability to adapt to growing business needs, process changes, and evolving responsibilities.
  • Ability to pass a criminal background check and any required pre-employment screening.
  • Ability to obtain and maintain any licenses, registrations, or role-specific credentials required by law, regulation, or Bank policy.
Preferred Qualifications
  • 2+ years of experience in Deposit Operations, banking operations, retail banking, treasury operations, or financial services.
  • Strong knowledge of deposit accounts, operational procedures, and banking regulations.
  • Experience processing ACH transactions, account maintenance, stop payments, return items, reconciliations, and exception processing.
  • Understanding of deposit-related regulations including Regulation CC, Regulation E, BSA/AML, OFAC, and NACHA requirements.
  • Experience reviewing account documentation and maintaining accurate customer records.
  • Strong attention to detail and commitment to accuracy.
  • Ability to research, analyze, and resolve operational discrepancies and account issues.
  • Excellent verbal, written, and interpersonal communication skills.
  • Strong organizational and time-management skills with the ability to manage multiple priorities.
  • Experience with core banking systems, document imaging platforms, exception processing tools, and Microsoft Office applications.
  • Proficiency with Excel, Word, Outlook, and operational reporting tools.
  • Demonstrated professionalism, reliability, integrity, and commitment to customer service.
  • Ability to work independently while collaborating effectively with branch personnel, operations teams, and business partners.
Employment Commitments and Physical Requirements
  • Regular use of a computer, telephone, and standard office equipment.
  • Focus-intensive work requiring extended periods of sitting, standing, customer interaction, data review, and digital navigation.
  • Ability to communicate in person, by telephone, and through electronic channels.
  • Occasional walking, standing, reaching, lifting of routine office materials, and movement between work locations.
  • Ability to travel between SSB&T locations and to approved business or community events as needs require.
  • Reasonable accommodations may be made to enable qualified individuals to perform the essential functions.
Compensation

SSB&T is committed to competitive compensation. Pay is determined based on relevant experience, the role’s market value, internal alignment, and geographic location.

Acknowledgment

This job description describes the principal functions of the position and is not intended to be an exhaustive list of all duties. SSB&T may modify, reassign, or supplement duties and responsibilities based on business needs. Employment remains subject to applicable SSB&T policies and procedures.

Security State Bank & Trust is an Equal Opportunity Employer.

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Job Location

Fredericksburg, Texas, 78624, United States

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