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About the Role

As a Deposit Operations Representative, you will support the daily operational functions of the bank, ensuring accurate, efficient, and compliant processing of deposit-related activities. This role serves as a key operational resource, provides support to the VP of Operations, and assists with customer transactions as needed.

Responsibilities

• Process and support daily ACH, EIP, and wire transfer activities.
• Perform account maintenance and review customer account documentation for accuracy and completeness.
• Generate, review, and analyze operational and exception reports.
• Assist with balancing internal accounts, general ledger accounts, and other operational reconciliations.
• Prepare and distribute customer notices, correspondence, and required disclosures.
• Support online banking, bill pay, and cash management services for consumer and commercial customers.
• Research and resolve account discrepancies, transaction exceptions, and customer inquiries.
• Assist with transaction disputes, account investigations, and operational problem resolution.
• Open and maintain consumer and commercial deposit accounts in accordance with bank policies and procedures.
• Assist with bank audits, examinations, compliance requests, and internal reviews.
• Gather and provide documentation for formal complaints, subpoenas, and other legal or regulatory requests.
• Work directly with Jack Henry support and other third-party vendors to troubleshoot operations issues and system concerns.
• Perform interest adjustments, account corrections, and other maintenance activities as needed.
• Support the VP of Operations with operational projects, reporting, process improvements, and other assigned initiatives.
• Maintain a thorough understanding of bank policies, procedures, and regulatory requirements.
• Provide backup teller coverage and assist customers with deposits, withdrawals, payments, account inquiries, and other routine banking transactions as needed.
• Cross-train and collaborate with other departments to support overall branch and operational needs.
• Perform other duties as assigned.

Requirements

• Direct experience using Jack Henry core banking system (required).
• 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.

Skills

• Jack Henry core banking system
• Microsoft Office products
• Banking software systems
• ACH transactions
• Wire transfers
• Account maintenance
• Reconciliations
• General ledger balancing
• Consumer deposit accounts
• Commercial deposit accounts
• Online banking
• Cash management
• Treasury management
• Audits
• Examinations
• Compliance reviews
• Banking regulations
• Operational controls
• New account opening
• English
• Spanish

Location

• Austin, Texas

Work Type

• Onsite
• Full-time

Education Level

• High school diploma or equivalent

Benefits

• 100% Employer-paid Medical, Dental, & Vision Insurance
• Generous Paid Time Off (PTO)
• Paid Holidays
• 401(k) with 4% Employer Match
• Monthly Chair Massages
• Consistent Schedules & Work-Life Balance
• Opportunities to Grow
• Career development
• Tuition assistance

About the Company

• Austin Capital Bank is a fast-growing, tech-forward community bank based in Austin, Texas.
• We're a nationwide leader in responsible financial innovation, offering both stability and growth.
• Our unique blend of banking and technology allows us to serve customers across the country with simple, reliable, and customer-friendly financial products.
• We take pride in being approachable and attentive.
• Our team members are trusted problem solvers who deliver exceptional service and make a real impact on our customers’ financial well-being.
• We’ve been recognized on the Inc. 5000 list of fastest-growing companies multiple years in a row—and we’re just getting started.
• 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
• We're big on humility here, cherishing honesty, and embracing emotional intelligence and self-awareness.
• At Austin Capital Bank, we're all about amplifying teamwork and basking in shared victories.