Deposit Services Specialist I

Company: Home Bank
Location: Lafayette
Posted on: February 17, 2026

Job Description:

Job Description Job Description PURPOSE OF THE JOB The Deposit Services Specialist I is responsible for supporting and executing operational processes related to Home Bank’s Exception Items Processing, Items Processing and Overdraft Privilege Program. The role will serve as the subject matter expert for deposit products, services and regulations, including Regulation CC, Regulation E and Regulation P. The deposit products include, but not limited to DDA, Savings, Certificate of Deposits, and Safe Deposit Boxes. Additionally, this position is also responsible for effectively communicating and troubleshooting directly with customers, as well as and Home Bank retail and commercial staff to provide solutions and excellent customer service. MAIN DUTIES OF THE JOB Exception Item Processing: Monitor and resolve account exceptions daily for NSF, Non-Post, Stop Payments, Positive Pay and Credit Back items utilizing Home Bank’s Exception Items Processing system. Items Processing: Manage the daily Incoming Cash Letter by retrieving files, processing and make correcting entries for inaccurate negotiable instruments from the Federal Reserve. Reconcile and process deposits from Teller Capture, Branch Capture, Mobile, ATM, and Merchant channels; balance and transmit files to the Federal Reserve. Work late evening hours and rotate shifts with other Deposit Services employees. Returned Items & Overdraft Management: Process Returned Deposit items and monitor of incoming returns for any fraudulent or kiting activity, reporting any suspect items of forgery, or kiting to our BSA Department by filling out an Unusual Activity Report (UAR) when necessary. Communicate with retail and commercial partners to assist with disputes and determine if account closures are necessary, which includes restricting, monitoring, and mailing notice to customer. Review and determine account eligibility for Overdraft Protection under Regulation E; monitor and adjust privileges as required. Collections and Charge-Offs: Evaluate deficit balance accounts, conduct outbound collection calls, negotiate repayment plans, and perform right of offset as well as communicate with the customer, when applicable. Charge off accounts that meet the criteria defined in the Bank’s Deficit Account Policy, which includes restricting account and debit card, mail notice to customer and reporting to third party servicing agent. Process recoveries as funds received and report as paid to third party servicing agent. Quality Control & Compliance: Review Regulation CC holds placed by retail staff and determine if the hold notice, and amounts placed on accounts follows the regulation. Communicate with retail branch staff if exceptions are noted and monitor for corrected forms and holds. Quality control and resolve exceptions of DDA, Savings, Certificate of Deposit, and Safe Deposit Box. Review reports to identify and correct transactions, which includes communicating with retail and commercial staff. Review all stop payment forms submitted by retail staff to determine if the stop payment information is accurately portrayed on the customer’s account to ensure non-payment of the requested item. Communicate with retail branch staff if exceptions are noted and monitor for correct forms and stop payments. Deposit Operations: Reconcile, mail, and internally process daily interest checks for all interest Savings Accounts, Certificate of Deposits and Individual Retirement Accounts. Process incoming foreign collection items, coordinate with the Federal Reserve, and apply credits to customer accounts. Customer & Staff Support: Respond to support request for research, guidance, maintenance and corrections received through the departments ticketing system related to deposit accounts and deposit regulations in a timely manner. Provide clear, professional communication and troubleshooting for customers and staff. Perform other duties as assigned by management. WHAT YOU NEED TO SUCCEED High school diploma or equivalent required; Bachelor’s Degree preferred. A minimum of 2 years related banking experience required or applicable experience in Deposit Services Department of a financial institution. Demonstrate excellent interpersonal, written, and verbal communication skills. Proficiency in Microsoft Word and Excel; familiarity with banking software (e.g., FISERV, Jack Henry) preferred. Demonstrate excellent analytical and problems solving skills including ability to diagnose, resolve or escalate a critical situation. Demonstrate strong organizational skills with attention to detail and ability to multitask. Self-directed/motivated with ability to work independently or with a team with little or no supervision. Dependable, willing to perform additional tasks as needed within the department and stay with a problem until resolution. Strong commitment to excellent internal and external customer service. Ability to use good judgment and be discreet with confidential information. The ability to listen and understand information and ideas presented through verbal and written communications. HOME BANK IS AN EQUAL OPPORTUNITY EMPLOYMER GOOD CREDIT IS A MUST CREDIT REPORT IS REQUIRED FOR EMPLOYMENT

Keywords: Home Bank, Baton Rouge , Deposit Services Specialist I, Accounting, Auditing , Lafayette, Louisiana