Processes and reconciles deposit transactions, including ACH, wires, transfers, and check deposits. Investigates discrepancies, manages escalations involving fraud, disputes, and failed transactions, and coordinates with compliance, risk, technology, and customer-facing teams. Maintains audit records, prepares operational reports, supports regulatory compliance, and recommends control improvements. Requires availability outside standard hours for transaction cutoffs and time-sensitive issues.
Deposit Operations Specialist
Deposit Operations | Money Movement | Escalation ManagementLocation Charlotte, NCExperience Required 2+ Years in Deposit Operations or Payments
Employment Type
Full-Time
Reports To
Deposit Operations Director / ManagerDepartment OperationsAbout the Role
The Deposit Operations Specialist is responsible for the accurate and timely processing of deposit account transactions, including money movement across internal and external systems, and for identifying, escalating, and resolving operational issues that affect account integrity or customer funds. This role serves as a key point of control between front-line banking operations and customer service and DingoBlu's fraud, compliance, vendors, and technology partners, ensuring transactions are processed correctly and exceptions are surfaced and resolved before they affect customers or the company.What You'll OwnMoney Movement & Transaction Processing
Work EnvironmentDeposit Operations | Money Movement | Escalation ManagementLocation Charlotte, NCExperience Required 2+ Years in Deposit Operations or Payments
Employment Type
Full-Time
Reports To
Deposit Operations Director / ManagerDepartment OperationsAbout the Role
The Deposit Operations Specialist is responsible for the accurate and timely processing of deposit account transactions, including money movement across internal and external systems, and for identifying, escalating, and resolving operational issues that affect account integrity or customer funds. This role serves as a key point of control between front-line banking operations and customer service and DingoBlu's fraud, compliance, vendors, and technology partners, ensuring transactions are processed correctly and exceptions are surfaced and resolved before they affect customers or the company.What You'll OwnMoney Movement & Transaction Processing
- Process and review deposit account transactions, including wire transfers, ACH originations and returns, internal transfers, check deposits, and account-to-account movements.
- Monitor daily settlement and reconcile transaction activity against core banking and payment system records.
- Verify transaction accuracy, completeness, and compliance with internal policies before release or posting.
- Research and resolve discrepancies related to misapplied funds, duplicate postings, or failed transactions.
- Support end-of-day and intraday balancing processes across deposit-related general ledger accounts.
- Ensure all money movement activity adheres to applicable regulatory requirements, including Reg CC, Reg E, and BSA/AML.
- Identify transactions or account activity that fall outside standard processing parameters and route them through the appropriate escalation path.
- Serve as the first point of contact for time-sensitive or high-risk issues, including suspected fraud, funds availability disputes, failed same-day transactions, and Reg E disputes.
- Document escalations clearly, including root cause, impact, and resolution steps, in the case management or ticketing system.
- Coordinate with Fraud, Compliance, Risk, and Technology teams to drive issues to resolution within required SLAs.
- Communicate status updates to internal stakeholders and, where appropriate, front-line or customer-facing teams.
- Track recurring escalation trends and recommend process or control improvements to reduce future occurrences.
- When needed, support training and customer service initiatives, including documentation of processes and procedures, testing, and other tasks as assigned.
- Maintain accurate records of transaction exceptions and escalations for audit and regulatory review.
- Assist with preparation of operational reports on transaction volumes, error rates, and escalation resolution times.
- Support internal and external audits by providing documentation and process walkthroughs.
- Identify opportunities to improve operational efficiency, reduce manual touchpoints, and strengthen controls.
- 2+ years of experience in bank operations, deposit servicing, payments, or a related back-office function.
- Working knowledge of deposit account types, ACH and wire processing, and core banking systems.
- Familiarity with banking regulations relevant to deposits and payments, including Reg CC, Reg E, and BSA/AML.
- Strong attention to detail with the ability to identify discrepancies in transaction data.
- Excellent written and verbal communication skills for cross-team escalation handling.
- Ability to work under time pressure, particularly around cutoff times and settlement deadlines.
- Experience with a specific core banking platform, such as FIS, Fiserv, or Jack Henry, or payment rails such as Fedwire, ACH, or RTP.
- Familiarity with case management or incident-tracking tools.
- Prior experience in a role involving fraud referrals or regulatory reporting support.
- Associate or bachelor's degree in finance, business, or a related field.
This role may require availability outside standard business hours to support transaction cutoffs, settlement windows, or time-sensitive escalations. Equal Opportunity Employer
DingoBlu Financial Inc. is an equal opportunity employer committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic under applicable law.Note: DingoBlu is a financial technology platform, not an FDIC-insured bank. Banking services and eligible deposit accounts are provided by our FDIC-insured bank partners. FDIC insurance is provided by such banks up to applicable limits and subject to FDIC requirements
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