Retail Backoffice Operations Specialist

SUMMARY: The Retail Backoffice Operations Specialist is tasked with a range of regular and recurring operational and working with accounting with basic/general accounting functions, aimed at supporting the overall retail operations of the bank. Key responsibilities include coverage for Wire and ACH processing, Exception Item Processing (EIP/UIP) EFT Error and Fraud Mitigation, Dormant/Escheatment processes, year-end tax notice coordination, as well as managing levies, garnishments, and subpoenas. The Retail Backoffice Operations Specialist is responsible for processing and reviewing banking transactions with precision and efficiency, while delivering exceptional customer service. This role involves maintaining accurate account records, addressing customer inquiries, resolving discrepancies, and adhering to regulatory and bank policies. The specialist processes Non-Sufficient Funds (NSF) items, manages returned items, and maintains financial records for audit and compliance purposes. Furthermore, the position emphasizes the optimization of operations, identifying opportunities for improvement, and supporting the bank’s retail services through effective communication and professional customer interactions. JOB DUTIES AND ESSENTIAL FUNCTIONS: Manage the NSF/Exception Item Processing, Wire Origination, ACH Origination, General Ledger Reconciliation, Certifications, Foreign Item Processing, Dormant Check Handling, Check Adjustments, Returned Items, Large Item Review, Research Requests, and other duties as required. Provide support to branch staff and serving as the primary contact for escalating operational issues. Oversee the bank's IRA portfolio to ensure proper tax reporting for customer transactions and year-end notices. Maintain accurate records of customer accounts, , and balance accounts on a daily basis. Review and correct unposted exception items to ensure accurate processing. Process and print NSF notices, generate return files, and apply returned item charges to customer accounts. Handle incoming customer calls and inquiries regarding account status and transaction details, providing clear, accurate information in a timely manner. Dispatch customer advice and Image Replacement Documents (IRDs) as needed. Adhere to all banking policies, procedures, and state and federal regulations (e.g., BSA/AML, KYC). Conduct daily reviews of stop payment suspects and manage NSF (Non-Sufficient Funds) items to mitigate issues. Prepare and generate daily reports related to account balancing and wire processing activities. Maintain organized records of transactions for compliance and audit purposes. Support retail operations with various tasks, including ATM and debit card report processing. Perform other duties and special projects as assigned to support organizational objectives and enhance operational efficiency. WORKING CONDITIONS: Air-conditioned office environment. Consistent and timely attendance is required to ensure uninterrupted operational eddiciency and exemplary service delivery. PHYSICAL DEMANDS: Sit for extended periods of time. Walk, stand, bend, squat, twist, and reach. Simple grasping and fine manipulation. Extended keyboarding Qualifications MINIMUM REQUIREMENTS: High School Diploma or equivalent. 1 year of experience in banking operations or similar administrative roles. Strong attention to detail with the ability to manage high-volume transactions and account maintenance. Proficiency in Microsoft Office (Excel, Word, Outlook) and general banking software. Basic understanding of banking operations, transaction processing, and financial principles. Ability to quickly learn and efficiently navigate job-specific software and web-based applications. Excellent communication skills with a focus on customer service and issue resolution. Ability to handle sensitive information confidentially and responsibly. Strong organizational and time management skills with the ability to multitask and thrive in a deadline-driven environment. Self-motivated and accountable, demonstrating a high level of ownership in all tasks and responsibilities PREFERRED REQUIREMENTS: Associates degree in Business, Finance, or a related field. Disclaimer: This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Duties, responsibilities, and activities may change, or new ones may be assigned at any time with or without notice. We are an Equal Opportunity Employer TexasBank is committed to providing equal employment opportunities regardless of race, creed, color, religion, alienage or national origin, ancestry, citizenship status, age, disability or handicap, sex, marital status, veteran status, sexual orientation, genetic information, arrest record, or any other characteristic protected by applicable federal, state or local laws. This policy applies to all terms and conditions of employment, including, but not limited to, recruiting, hiring, placement, promotion, compensation, benefits, training, disciplinary actions, layoff, recall, transfer, leaves of absence, and termination. Employees with questions or concerns about any type of discrimination in the workplace are encouraged to bring these issues to the attention of Human Resources.