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The Description

Position Summary:

The Director of Deposit Operations oversees all deposit operational activities within Resource One Credit Union's payment processing ecosystem. This position manages back-office daily operating functions including ACH transactions, wire transfers, mobile deposit processing, check and deposit returns IRA administration, Zelle adjustments, electronic funds transfers, and Regulation E electronic transactions. The Director implements emerging technologies including artificial intelligence solutions in alignment with evolving regulatory frameworks, ensuring compliance through required policies, procedures, and regulatory standards across all payment processing operations.

Position Responsibilities

Operational Management & Oversight

Direct all payment processing operations including ACH transactions, wire transfers, mobile deposit processing, check and deposit returns IRA administration, Zelle adjustments, electronic funds transfers, and Regulation E electronic transactions, ensuring operations meet service level agreements, accuracy standards, and regulatory compliance requirements Monitor and analyze operational metrics, identifying areas for process improvement and efficiency gains Coordinate and prepare for Operations-related regulatory examinations and ensure compliance with all applicable federal and state regulations Ensure compliance with Reg E and provide Reg E member communications Oversee the processing and maintenance of e-funds, share drafts, ATM account transactions, and maintenance of account records.

Leadership & Innovation

Lead implementation of artificial intelligence solutions to enhance operational efficiency, improve transaction speed, reduce costs, and enhance member experience Develop and execute long-term operational strategies that align with credit union objectives and emerging financial technology trends Collaborate with senior leadership to identify opportunities for operational innovation and digital transformation Establish partnerships with fintech vendors and technology providers to enhance payment processing capabilities

Team Leadership & Development

Provide leadership, mentorship, and development for Operations management team and staff Lead hiring, training, and performance management of departmental personnel Foster continuous improvement, innovation, and excellence within the Operations department Establish performance goals and accountability measures for supervised positions Facilitate cross-training to ensure operational continuity and staff development

Regulatory Compliance & Risk Management

Maintain knowledge of NACHA guidelines, Bank Secrecy Act, OFAC regulations, and payment processing regulations Oversee Regulation E compliance including error resolution, dispute processing, and consumer protection requirements Ensure adherence to emerging stablecoin and digital payment regulations Develop risk assessment frameworks for new payment technologies and processes Review Internal Audit feedback and implement corrective actions Oversee BSA/AML compliance for wire transfers and ACH transactions, escalating suspicious activities

Requirements

Qualifications and Education Requirements

Bachelor’s degree in business management, Business Administration, Finance, Information Technology, or related field required, OR equivalent combination of education and experience 5+ years of progressive leadership experience in financial institution operations 3+ years of management experience with direct responsibility for payment processing operations

Knowledge, Skills, And Abilities

Leadership & Management Skills Proven ability to lead and develop high-performing teams Strong strategic thinking and business acumen to align operational initiatives with organizational goals Excellent project management skills with ability to manage multiple priorities while maintaining attention to detail Communication & Analytical Skills Exceptional written and verbal communication skills Strong analytical and problem-solving abilities with data-driven decision-making Ability to translate technical concepts into business terms Technical Expertise Knowledge of payment processing operations including ACH, Wire, Payroll, IRA, and Regulation E transactions Understanding of payment processing technologies and stablecoin regulations Knowledge of NACHA guidelines, BSA/AML requirements, and financial services regulatory environment Proficiency in core banking systems, Microsoft Office Suite, and operational management software

Physical Demands and Work Environment

Stationary work, often requiring standing or sitting for prolonged periods Operate standard office equipment and keyboards Visually recognize, reconcile, and verify numerical details for accuracy Repeating motions that may include the wrists, hands and/or fingers Must be able to access and navigate facility with reasonable accommodations Lift and carry small parcels, packages and other items

Additional Notes

Candidates being considered for employment with Resource One must successfully complete a credit check, background check and drug screen. This Job Description is not a complete statement of all duties, responsibilities and physical demands comprising this position.

Equal Employment Opportunity Employer

Our credit union team and members include people of all races, religions, cultures, physical abilities, sexual orientations, and gender identities and/or expressions. Together, we are the community we serve, and we believe that a community is strongest when there is diversity, equality, and inclusion.

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