Deposit Exceptions Manager
FNBO
Deposit Exceptions Manager
FNBO
Regional bank offering diverse financial products
At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.
Summary of the Job:
About This Role:
Key Accountabilities:
1. Strategic Operational Excellence and Risk-Based Revenue Protection
Drive operational excellence that directly impacts profitability and risk exposure by maintaining and monitoring performance metrics, quality standards, and processing timelines across all deposit exception channels.
• Execute mission-critical deposit exceptions processing managing thousands of daily exception items including NSF decisions, fraud prevention, check disputes, and Positive Pay/Payee Name Verification
• Authorize real-time pay/no-pay determinations to minimize bank losses while maintaining customer relationships and revenue streams
• Lead crisis management for time-sensitive exception processing with direct P&L and risk implications
• Optimize resource allocation to manage unpredictable volume fluctuations while maintaining service levels during critical processing windows
• Drive efficiency ratio improvements by achieving measurable reductions between actual and forecasted expenditures while exceeding production delivery and quality standards
• Execute high-stakes decision-making during daily deadline constraints, fraud alerts, and unexpected processing delays
• Implement strategic contingency frameworks for handling volume spikes or system failures that could impact risk exposure
2. Strategic Planning and Enterprise Risk Mitigation
Lead strategic planning efforts that ensure operational resilience and protect the bank from fraud losses and operational risk exposure.
• Develop sophisticated capacity planning models utilizing predictive analytics based on historical exception patterns and growth projections
• Own Disaster Recovery and Business Continuity strategy for all deposit exception operations; authorize emergency protocols to maintain operational continuity
• Present strategic forecasts and capacity requirements to leadership for capital planning decisions
• Design and implement enterprise-level controls to ensure regulatory compliance and minimize fraud and operational risk exposure
• Lead cross-functional collaboration with risk management teams to develop and execute fraud prevention strategies with measurable business impact
• Drive regulatory excellence ensuring 100% compliance with BSA/AML, Reg CC, Check 21, UCC, and EFTA requirements
3. Leadership Excellence and Talent Optimization
Build and lead high-performing teams through strategic talent management and performance optimization across Deposit Exceptions Operations.
• Execute advanced performance management strategies utilizing FNPMS practices to drive individual and team excellence
• Develop organizational capabilities through strategic coaching, feedback, and performance optimization initiatives
• Lead talent development programs including cross-training initiatives that ensure operational resilience during peak exception volumes
• Drive accountability frameworks for supervisors managing capacity planning, resource allocation, and strategic schedule management
• Maintain comprehensive talent skills matrix across all deposit exception processing functions
4. Innovation and Continuous Improvement Leadership
Drive transformational improvements that enhance organizational effectiveness and competitive positioning across deposit exception channels.
• Lead technology optimization initiatives to enhance exception processing systems, policies, and procedures for maximum efficiency
• Champion automation strategies that reduce manual exception handling, improve accuracy, and drive cost reduction
• Execute root cause analysis on exception patterns and implement systematic corrective measures that prevent recurring issues
• Support Managing for Daily Improvement (MDI) methodology to drive measurable performance gains in exception processing
5. Technical Excellence and Strategic System Leadership
Maintain enterprise-level expertise in deposit exception operations to drive operational success.
• Lead competency development initiatives across NSF processing, fraud prevention, check disputes, and reconciliation operations teams
• Drive operational excellence serving as executive escalation point for critical exception processing issues affecting business operations
• Stay current on industry trends, fraud patterns, and regulatory changes to maintain competitive positioning and compliance excellence
• Execute strategic process optimization focused on enhancing customer experience while minimizing compliance and regulatory risks
• Oversee complex GL reconciliation and research processes ensuring audit-ready documentation
6. Regulatory Leadership and Compliance Excellence
Drive enterprise compliance excellence across all deposit exception operations while ensuring regulatory requirements are exceeded.
• Lead compliance training initiatives ensuring teams maintain current knowledge of BSA/AML, fraud detection, and regulatory changes
• Implement advanced control frameworks to prevent and detect fraudulent activity across deposit channels
• Execute audit readiness strategies maintaining comprehensive documentation for regulatory reporting excellence
• Collaborate with enterprise stakeholders to fulfill audits, compliance requests, and risk monitoring requirements (TPRM, RSA, BAI, FDICIA)
• Ensure timely and accurate regulatory reporting across all exception processing channels
The Ideal Candidate for This Role:
Required:
• Bachelor's Degree or equivalent strategic leadership experience
• Minimum 10 years of deposit operations/exception processing experience with demonstrated risk management impact
• At least 5 years leading supervisory teams in high-volume, risk-critical environments
• Proven track record of operational excellence in time-sensitive, deadline-driven environments with measurable business outcomes
• Strategic capacity planning experience with resource optimization and exception processing scheduling expertise
• Crisis management and business continuity leadership experience
• Advanced analytical and problem-solving capabilities with demonstrated ability to drive fraud prevention improvements
• Strong understanding of payment processing and regulatory requirements (BSA, AML, Reg CC, Check 21, UCC, EFTA, NACHA)
Desired:
• Multi-channel deposit exception expertise with strategic oversight experience
• Professional certifications in banking operations or risk management
• Advanced banking systems experience including deposit processing platforms
• Performance management and optimization tools experience
Compensation:
Compensation range (base pay): $83,355.00-$141,704.00This role may have a specific starting pay within this range.
Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.
Work Environment:
It is anticipated that the incumbent in this role will work onsite at the posted location. Our onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you'll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. Please note that work location is subject to change based on business needs.Benefits Overview:
We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:
Medical, Dental, Vision Insurance
401k, With Matching Contributions
Time Off Programs
Health Savings Account (HSA)/Dependent Care
Employee Banking
Growth Opportunities
Tuition Assistance
Short-Term/Long-Term Disability Insurance
Learn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/.
For additional information regarding compensation and benefits, e-mail FNBO at [email protected]. To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.
Job number: R-20261333Equal Opportunity & Belonging:
FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.
FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.
Click here to download 'EEO is The Law' Self-Print Poster
Click here to download 'EEO is The Law' Supplement for Federal Contractors
Click hereto download 'EEO is The Law' GINA Supplement
FNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDIC
FNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)
Application Deadline:
All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.
FNBO offers banking services and financial products across eight states, serving more than 6.6 million customers as a subsidiary of First National of Nebraska. It provides checking and savings accounts, mortgages, personal and business loans, credit cards, wealth management, and digital banking, supported by a large branch and ATM network. The company differentiates itself through its long history of customer service, broad geographic reach, and a diversified product lineup backed by nearly $30 billion in assets under management and about 5,000 employees. Its goal is to provide reliable, accessible financial solutions that help people and businesses manage money, grow assets, and plan for the future.
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