Digital Banking Specialist Tier I

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SUMMARY:

The Digital Banking Specialist provides customer support to all electronic banking (e-banking) platforms the bank offers. Including, but not limited to, setting up new accounts, communicating with customers to solve inquiries, performing detailed data entry services, and Treasury Management for Texas Bank business customers.

JOB DUTIES AND ESSENTIAL FUNCTIONS:

• Initiate and manage the setup of online banking accounts for new and existing customers, ensuring accurate input of account details and adherence to security protocols.
• Guide customers through the setup of online Bill Pay services, including adding payees, scheduling payments, and managing payment methods.
• Address and resolve issues related to online Bill Pay, such as payment processing errors, scheduling conflicts, and account linkage problems.
• Continuously monitor online banking fraud detection systems and reports for suspicious activities or anomalies. Analyze data to identify potential fraudulent transactions or security breaches.
• Review mobile deposit submissions for accuracy and completeness, including verifying the amount, endorsement, and image quality of deposited checks.
• Ensure that mobile deposits comply with bank policies, regulatory requirements, and industry standards. Validate that all required information is present and correctly captured.
• Facilitate the setup and implementation of remote deposit services for business customers, ensuring that they can securely and efficiently deposit checks using remote deposit capture technology. Provide ongoing support and troubleshooting for remote deposit issues and assist customers in maximizing the benefits of the service.
• Configure and support cash management solutions, including Automated Clearing House (ACH) services. Assist business customers with setting up ACH transactions such as direct deposits, bill payments, and fund transfers. Ensure accurate processing and compliance with ACH rules and regulations.
• Manage Positive Pay services by reviewing and processing Positive Pay reports for business customers. Verify and reconcile check issuance and account activity to detect and prevent check fraud. Work with customers to resolve discrepancies and ensure the integrity of their accounts.
• Adhere rigorously to established internal loan policies and applicable regulatory standards to maintain operational integrity and compliance.
• Performs other duties and special projects as assigned.

WORKING CONDITIONS:

• Air-conditioned office environment.
• Consistent and timely attendance is required to ensure uninterrupted operational efficiency 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.

MINIMUM REQUIREMENTS:

• High School diploma or equivalent.
• Minimum of two years of professional experience in the banking industry, demonstrating a solid understanding of banking operations, products, and services.
• Bilingual (English & Spanish).
• Demonstrated proficiency in both verbal and written communication, with the ability to articulate complex ideas clearly and effectively to diverse audiences.
• Strong presentation skills for delivering information in a compelling and professional manner.
• Proven ability to analyze data from multiple sources, synthesize information, and apply insights to drive decision-making.
• Highly organized, with the capacity to manage and prioritize multiple projects simultaneously while maintaining attention to detail.
• Organizational skills and the ability to gather and analyze data from multiple sources and work on more than one project at a time are crucial.
• Effective at interacting with customers, colleagues, and cross-functional teams to achieve objectives and resolve issues. Adept at building and maintaining professional relationships to facilitate collaboration and ensure successful outcomes.
• Advanced understanding of technology and digital tools, with a strong aptitude for leveraging technology to improve efficiency and effectiveness in various tasks and projects.
• Capable of navigating interruptions, shifting priorities, and tight deadlines with agility. Demonstrates resilience and adaptability in a dynamic work environment.
• Expertise in Microsoft 365 applications, with a particular emphasis on advanced Excel functions for data analysis, reporting, and visualization. Proficient in utilizing other Microsoft 365 tools to enhance productivity and streamline workflows.

PREFERRED REQUIREMENTS:

• Comprehensive knowledge of Texas Banks product and service offerings, including a clear understanding of their features, benefits, and applications.
• At least one year of hands-on experience with Meridian software or systems, showcasing proficiency in its functionalities and applications within a banking environment.

Disclaimer: This 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.