Deposit and Digital Operations Analyst

Role Overview

• Perform advanced operational functions, analysis, and problem resolution across deposit and digital banking services
• Support departmental efficiency by analyzing workflows and identifying improvement opportunities
• Ensure accurate execution of operational processes
• Serve as a subject matter resource for the team, supporting complex issue resolution
• Contribute to audit and compliance activities
• Assist with process improvements while maintaining a strong focus on risk management, accuracy, and customer service
• Perform advanced maintenance, reconciliation and processing functions related to deposit and digital banking services
• Review daily, weekly, and monthly reports to identify discrepancies, exceptions, or processing issues
• Resolve complex operational issues, including identifying root cause and ensuring appropriate follow-up
• Analyze operational workflows and reporting to identify inefficiencies, trends, or risk exposures
• Recommend solutions to improve processes, enhance controls, and reduce operational risk
• Identify trends, anomalies, and recurring issues impacting operations or customer experience
• Develop and maintain reporting to track volume trends, error rates and exceptions, and processing efficiency and turnaround times
• Assist in evaluating enhancements to existing systems and new banking services impacting deposit and digital operations
• Prepare and support competitive analysis of deposit and digital products, services, and fee structures, providing insights to leadership to inform product strategy and positioning
• Evaluate performance of department owned platforms, including system stability, usage, and functionality
• Analyze system-related issues to identify root causes and recurring patterns
• Assess impacts of system outages, disruptions, or defects on operations and customers
• Track and report on system performance trends and improvement opportunities
• Serve as a liaison between the Bank and system vendors for departmentally owned platforms
• Monitor and manage vendor communications, including system enhancements, maintenance notifications and/or issue resolution and escalations
• Review and analyze vendor release notes and updates, translating impacts to operational processes, customer experience and communications, and risk and control considerations
• Perform system administration activities including user access provisioning, maintenance, and removal
• Support and execute periodic access reviews and ensure documentation is complete for audit purposes
• Maintain adherence to segregation of duties, least privilege access, and internal control requirements
• Track and document all administrative activities in alignment with policy
• Maintain and update departmental procedures to ensure accuracy and compliance with current practices
• Contribute to continuous improvement and change management initiatives within Bank Operations
• Maintain organized documentation in shared systems in accordance with record retention requirements
• Serve as the Deposit and Digital Operations Subject Matter Expert (SME) on cross-functional project teams

Requirements

• High School Diploma or GED
• 3-5 years of banking or bank operations experience, preferably in deposit and/or digital operations
• Ability to interpret and apply procedures, policies, and regulatory requirements
• Strong analytical skills with the ability to review reports and identify discrepancies
• Strong organizational, time management, and communication skills
• Proficiency in Microsoft Office applications, including Word and Excel; experience with Copilot is a plus
• Ability to work independently and manage multiple priorities
• Associate’s or Bachelor’s degree preferred
• Experience supporting audits, regulatory exams, or risk assessments
• Experience with digital banking platforms and deposit systems, preferably Jack Henry Silverlake and Banno
• Exposure to process improvement or change management initiatives

Benefits

• Health insurance
• Retirement plans
• Paid time off
• Flexible work arrangements
• Professional development
• Equipment allowances
• Wellness programs