Deposit Operations Specialist

Join Our Team at Harborstone Credit Union-"Voted one of Washington's Best Workplaces!" At Harborstone, our culture is built on compassion, integrity, accountability, and genuine human connection. We embrace innovation while keeping people at the center of everything we do. You'll join a collaborative team that supports one another, celebrates success, and invests in your professional growth.

Location: Lakewood, WA

This position is on-site and hybrid eligible after completing successful introductory period.

Our Benefits Include:

• 401(k) with employer match
• Medical, dental, and vision insurance
• Employer contribution toward dependent medical premiums
• Generous paid time off and paid holidays
• Professional development and career advancement opportunities
• Employee appreciation and recognition programs
• Discounted employee financial products and services
• A mission-driven workplace focused on making a difference
• A supportive culture that promotes work-life balance and employee well-being

Compensation:
The base pay range for this position is $20.00 to $30.00 per hour. Placement within the range is determined by experience, skills, and qualifications. To maintain internal equity and provide opportunities for future growth, offers will typically not exceed the midpoint of the range.

FLSA: NON-EXEMPT

Position Summary

The Deposit Operations Specialist plays a critical role in ensuring the accuracy, integrity, and efficiency of Harborstone's payment processing and deposit operations. This position is responsible for daily operational functions, researching and resolving exceptions, supporting branch and business teams, and maintaining compliance with applicable regulations, policies, and procedures.

What You'll Bring

• A strong attention to detail and commitment to accuracy
• A passion for operational excellence and continuous improvement
• Excellent problem-solving and analytical skills
• The ability to research, investigate, and resolve complex issues independently
• A collaborative mindset and dedication to exceptional service
• A commitment to compliance, accountability, and confidentiality

What You'll Do

Payment Processing & Deposit Operations

• Perform critical daily payment and deposit operations functions accurately and on schedule.
• Process and reconcile ACH transactions, wire transfers, cash letters, check adjustments, and cash inventory activities.
• Support debit and credit card operations, including exception processing and reconciliation.
• Manage mail processing and other operational workflows essential to department success.

Research & Resolution

• Investigate and resolve transaction exceptions and operational discrepancies.
• Respond to account-related requests and inquiries in a timely manner.
• Process and respond to verifications of deposit, subpoenas, garnishments, levies, and related requests.
• Assist with specialized account administration, including IRA and decedent account processing.

Team & Member Support

• Provide operational support to branch teams and Cash Management.
• Assist with digital payment services, including Zelle®, Bill Pay, and Account-to-Account Transfers.
• Partner across departments to ensure efficient service delivery and positive member experiences.

Compliance & Risk Management

• Perform all duties in accordance with Harborstone policies, procedures, and regulatory requirements.
• Maintain accurate records and documentation.
• Support operational risk mitigation through adherence to established controls and processes.

Qualifications

Education

• High school diploma or equivalent required

Experience

• Minimum of two years of credit union, banking, or financial services experience required
• Experience in payment operations, deposit operations, or related back-office functions preferred

Technical Skills

• Proficiency with Microsoft Office applications, including Outlook, Word, and Excel
• Experience working with core banking systems and payment platforms is a plus

Professional Skills

• Strong communication and interpersonal skills
• Excellent organizational and time-management abilities
• Ability to prioritize multiple tasks and meet deadlines
• Strong attention to detail and commitment to accuracy
• Ability to work independently and collaboratively within a team environment

Physical Requirements

• Communicate effectively in verbal, written, and electronic formats with internal and external stakeholders.
• Read, interpret, and respond to written and verbal information and instructions.
• Sit or stand for extended periods as required by business needs.
• Perform repetitive motions, including keyboarding and use of office equipment.
• Occasionally bend, reach, stoop, or lift items weighing up to 20 pounds.
• Navigate office environments and move between workstations, meeting rooms, and service areas.
• Travel occasionally as needed to support business operations.