Associate Deposit Operations Specialist, Front Desk

About Us

How This Role Impacts Live Oak and its People

We are on a mission to be America’s small business bank. Our deposits help fund loans for small businesses across the country. As an Associate Deposit Operations Specialist, Front Desk, you help fuel the growth of small businesses. The Associate Deposit Operations Specialist, Front Desk is the face of the bank who is responsible for providing excellent service to those who seek assistance by phone, email, or in person at our corporate headquarters. While maintaining organization of the bank’s lobby and handling customer interactions you will also play a critical role with executing essential deposit functions including deposits, withdrawals, cashier’s checks and payments.

The Associate Deposit Operations Specialist, Front Desk is a designated essential employee and may be required to be available after hours, and to work either in the office or remotely during inclement weather or a disaster scenario.

What You’ll Do at Live Oak

• Perform essential front desk duties, including greeting walk‑in clients, answering phone calls, and 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 and apply knowledge of risk, regulatory compliance and deposit policies to determine acceptance or rejection
• Assist with Deposit Operational tasks that may arise 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

Required Experience

• Customer service experience
• Banking and teller experience

• Bachelor's Degree or work experience equivalent

#LI-DNI

Our Values

• Dedication: Possess a deep commitment to Live Oak Bank’s mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.

• Ownership: Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.

• Respect: Treat everyone with courtesy, politeness, and kindness.

• Innovation: Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.

• Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more

For a detailed overview of our employee benefits please visit: http://www.liveoakbank.com/careers/

Live Oak Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at HumanResources@liveoak.bank.

EEO is the Law

The base pay range for this position is $19.77 - $32.12 per hour. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate’s salary is determined by several factors including travel, relevant work experience or skills and expertise.

Please note that we provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.