Job Overview
Employment Type
Hourly
Compensation
Hourly
Range $19.77 - $32.12
Work Schedule
Standard Hours
On-call
Benefits
Health Insurance
Dental Insurance
Paid Time Off
Retirement Plan
competitive salary
employee training
Bonuses
Job Description
Live Oak Bank is a revolutionary digital bank dedicated to supporting small business owners throughout the United States. As a leading financial institution specializing in small business banking, Live Oak Bank offers an innovative blend of technology and service designed to empower entrepreneurs and help them achieve their business goals. The bank’s products are tailored to assist clients in buying, building, and growing their businesses while also providing high-yield savings and certificate of deposit (CD) products to help customers grow their savings securely. At Live Oak Bank, a strong emphasis is placed on the well-being of its employees, recognizing that they are the core of the company’s success. The company culture is deeply intertwined with its commitment to customers, fostering an environment where dedication to the American dream is both supported and celebrated.
This particular role focuses on the position of Associate Deposit Operations Specialist, Front Desk, which is pivotal in Live Oak Bank’s operations. This job acts as the front line, representing the bank and facilitating excellent customer service in multiple ways including phone, email, and face-to-face interactions at the corporate headquarters. The responsibilities range from managing the bank lobby's organization and greeting walk-in clients to handling vital deposit functions such as deposits, withdrawals, payments, and cashier’s checks. This role is essential because it directly supports the financial activities of small businesses by ensuring smooth, accurate transactional processes.
The Associate Deposit Operations Specialist is a designated essential employee. Therefore, flexibility is required as this position may involve working after hours, and during inclement weather or emergency situations, employees might be required to work in-office or remotely. The role is also responsible for processing ACH transactions and returns in compliance with NACHA rules, reviewing mobile and branch check deposits with an eye toward risk mitigation and regulatory adherence, and managing various operational tasks within deposit services. This specialist must apply comprehensive knowledge of banking rules and regulations such as BSA, AML, CIP, and OFAC, ensuring compliance and fostering trust with customers and internal teams.
An ideal candidate for this role will have prior experience in customer service and banking, particularly teller operations, along with the ability to maintain a professional demeanor while handling multiple responsibilities. Educational qualifications like a bachelor’s degree are preferred, but equivalent work experience is also considered valuable. The position demands strong organizational skills, attention to detail, effective communication, and a willingness to learn and adapt in a dynamic work environment. Live Oak Bank seeks individuals who exemplify the company’s core values of dedication, ownership, respect, innovation, and teamwork. These values drive the organization’s mission to deliver exceptional service and support to its customers while fostering an inclusive and collaborative workplace.
Compensation for this role ranges from $19.77 to $32.12 per hour, and may include bonuses and long-term incentives based on performance metrics and company policies. Live Oak Bank also offers a comprehensive benefits package designed to support the health and financial security of its employees. The company is an Affirmative Action and Equal Opportunity Employer committed to diversity and inclusion, providing reasonable accommodations throughout the hiring process. This position represents a unique opportunity to join a forward-thinking financial institution dedicated to making a positive impact on small businesses across America.
This particular role focuses on the position of Associate Deposit Operations Specialist, Front Desk, which is pivotal in Live Oak Bank’s operations. This job acts as the front line, representing the bank and facilitating excellent customer service in multiple ways including phone, email, and face-to-face interactions at the corporate headquarters. The responsibilities range from managing the bank lobby's organization and greeting walk-in clients to handling vital deposit functions such as deposits, withdrawals, payments, and cashier’s checks. This role is essential because it directly supports the financial activities of small businesses by ensuring smooth, accurate transactional processes.
The Associate Deposit Operations Specialist is a designated essential employee. Therefore, flexibility is required as this position may involve working after hours, and during inclement weather or emergency situations, employees might be required to work in-office or remotely. The role is also responsible for processing ACH transactions and returns in compliance with NACHA rules, reviewing mobile and branch check deposits with an eye toward risk mitigation and regulatory adherence, and managing various operational tasks within deposit services. This specialist must apply comprehensive knowledge of banking rules and regulations such as BSA, AML, CIP, and OFAC, ensuring compliance and fostering trust with customers and internal teams.
An ideal candidate for this role will have prior experience in customer service and banking, particularly teller operations, along with the ability to maintain a professional demeanor while handling multiple responsibilities. Educational qualifications like a bachelor’s degree are preferred, but equivalent work experience is also considered valuable. The position demands strong organizational skills, attention to detail, effective communication, and a willingness to learn and adapt in a dynamic work environment. Live Oak Bank seeks individuals who exemplify the company’s core values of dedication, ownership, respect, innovation, and teamwork. These values drive the organization’s mission to deliver exceptional service and support to its customers while fostering an inclusive and collaborative workplace.
Compensation for this role ranges from $19.77 to $32.12 per hour, and may include bonuses and long-term incentives based on performance metrics and company policies. Live Oak Bank also offers a comprehensive benefits package designed to support the health and financial security of its employees. The company is an Affirmative Action and Equal Opportunity Employer committed to diversity and inclusion, providing reasonable accommodations throughout the hiring process. This position represents a unique opportunity to join a forward-thinking financial institution dedicated to making a positive impact on small businesses across America.
Job Requirements
- Customer service experience
- Banking and teller experience
- Ability to work in office and remotely as required
- Capacity to work after hours when needed
- High school diploma or equivalent
- Strong communication and problem-solving skills
- Ability to manage multiple tasks efficiently
- Willingness to uphold company values
- Familiarity with banking policies and procedures
- Maintain confidentiality and professionalism
Job Qualifications
- Customer service experience
- Banking and teller experience
- Bachelor's Degree or work experience equivalent
- Strong organizational skills
- Excellent communication skills
- Ability to work effectively in a team environment
- Adaptability to change and willingness to learn
- Attention to detail and accuracy in all tasks
- Knowledge of banking regulations and compliance requirements
Job Duties
- Perform essential front desk duties including greeting walk-in clients answering phone calls maintaining a professional organized lobby environment
- Process client transactions accurately and efficiently including deposits payments and withdrawals
- Process ACH transactions ACH returns and ACH files using various banking platforms within the governance of NACHA rules and guidelines
- Assist clients and Live Oak Bank employees with cashier’s check requests
- Review and process incoming branch and mobile check deposit activity applying knowledge of risk regulatory compliance and deposit policies to determine acceptance or rejection
- Assist with Deposit Operational tasks as needed
- Generate and mail CD maturity notices in a timely manner
- Submit department invoices for approval and monitor for timely payment
- Handle incoming and outgoing mail and shipments
- Apply knowledge of deposit products services rules and regulations to support clients and internal partners
- Pay close attention to detail to minimize errors and ensure accuracy in all tasks
- Take proactive steps to reduce adverse impacts mitigate risk and escalate issues when appropriate
- Organize plan and prioritize work effectively and independently while managing frequent interruptions
- Communicate clearly and effectively with clients and colleagues adapting communication style as needed for the audience
- Ask for assistance when necessary and collaborate with team members to resolve issues efficiently
- Demonstrate willingness to learn accept feedback and continuously improve while adapting to change
- Maintain a positive professional demeanor in all client and employee interactions
- Maintain a strong working knowledge of bank policies procedures and regulatory requirements
- Maintain a high standard of regulatory awareness including BSA AML CIP and OFAC
Job Criteria
Experience
Mid Level (3-7 years)
Job Location
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