Deposit Operations Representative

Shore United Bank is seeking a full-time Deposit Operations Representative to join our team. This role offers a hands-on opportunity to support a wide range of banking operations, from processing electronic transactions and managing debit card activity to investigating fraud and maintaining accurate records. You will collaborate with teams across the bank and help troubleshoot system issues to keep operations running smoothly. Along the way, you'll build expertise in key areas like ACH, check fraud, and customer support, making a real impact every day.

Essential Functions Include:

• Processes various work related to banking operations functions, e.g., legal and related, account maintenance, analysis, and electronic deposit products, etc.
• Provides basic assistance to staff throughout the bank with technical aspects of duties relating to banking operations procedures.
• May provide training assistance to new bank personnel with respect to banking operations.
• Research problems with banking operations systems and technology; provides reports on findings.
• Maintains various records relating to banking operations; updates on an ongoing basis in order to keep current.
• May provide assistance in the central mail room or in other units of banking operations.
• ATM/Debit Cards - all aspects: process, research and tracking of fraudulent transactions and communicating with customers, ATM switch balancing, verifying fee and interest reversals on disputes, ATM/Debit Card ordering.
• ACH - all aspects; assist with processing of various customer ACH (electronic) transactions, dispute research, verifying fee and interest reversals on disputes, process returns, and NOC's.
• Check Fraud - all aspects not Branch or Risk department related, handling of Affidavits - reviewing for accuracy, compiling all necessary documentation to deal direct with other BOFD's for reimbursement of items not able to be returned via the Outgoing Fed file, monitoring the status of the claim, making entries between accounts and gl's according to reimbursement or write off; handling the timely return of items whenever possible - notifications provided by Positive Pay, customer or Branch that can be returned in the Outgoing Fed file, making entries between accounts and gl's accordingly.
• Responding to all pertinent emails and voicemails timely; answers incoming phone calls from internal and external customers
• Learn basics of Yellowhammer Fraud Detective, working EFT entries.
• Assist and perform job duties as new products and processes are added.
• Identifies and responds to opportunities to communicate affiliates products and services to promote the image of the affiliate and the promote Shore United Bank's products and services to potential customers and referring those customers to the proper personnel.
• Coordinates specific work tasks with other personnel within the department as well as with other departments to ensure the smooth and efficient flow of information.
• Abides by the current laws and organizational policies and procedures designed and implemented to promote an environment which is free of harassment and other forms of illegal discriminatory behavior in the workplace.
• Reports pertinent information to the immediate supervisor as requested, or according to an established schedule; compiles information as necessary or as directed and provides data to appropriate bank personnel.
• Responds to inquiries relating to his/her particular area, or to requests from customers, other bank personnel, etc., within given time frames and within established policy.
• Assists the immediate supervisor with various administrative tasks to support department operations, as directed; may also be assigned special projects.
• Performs tasks which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances.
• Demonstrates compliance awareness by completing all required regulatory and compliance training (e.g., BSA, CRA, ECOA) on or before deadlines, and actively supporting all policies, procedures, and practices that promote risk management, safety, and regulatory adherence.

Location: Shore Bancshares Headquarters - 28969 Information Ln, Easton, MD 21601

Position Type/Expected Hours of Work:

• Full-time.
• Non-exempt.
• Days of Work: Monday-Friday.

Required Education and Experience:

• High school diploma/GED equivalent.
• 1 year experience successfully providing excellent customer service in a fast-paced environment.

Compensation:

• The pay range for this position is $18.00 to $20.00 hourly.
• Actual compensation offered may vary from the posted hiring range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.