Job Title: AVP/Banking Operations Lead Location: Baltimore, MD
Reports To: VP, Operations Manager
Department: Banking Operations
Type/Status Full-Time/Exempt
Position SummaryWith guidance from the VP/Banking Operations Manager, The Banking Operations Lead is responsible for supporting the management of the Operations team. This position will drive strategic initiatives and internal improvements; including monitoring of systems, developing, and implementing enhancements that improve the overall efficiency of HBM banking operations.
Key Responsibilities- Responsible for the Bank's electronic and cash management-based products and services, including their development, deployment, and ongoing maintenance in partnership with the Banking Operations Manager.
- Partner with account and business development officers to support the sales and onboarding of electronic banking solutions and provide training to internal teams.
- Support the Operations Manager at oversee departmental operations, supervises staff, coordinates vendor relationships, and ensures regulatory compliance across all banking activities.
- Provide strategic leadership, technical expertise, and a strong focus on process improvement to drive innovation and operational excellence in the Bank's digital channels in partnership with the Banking Operations Manager.
- Support strategic and tactical oversight of daily operations for the department, including statement rendering, large-dollar verifications, bank-by-mail, wires, ACH, returned items, deposited item returns, cash settlements, ATM settlements, cash orders, and IRA processing.
- Monitor and analyze dormant accounts, ensuring compliance with escheatment laws and internal procedures.
- Research and respond to subpoenas, legal requests, and customer inquiries in a professional and timely manner.
- Manage the processing of returned mail and oversee skip tracing functions; ensure accurate documentation and secure storage of deposit records in accordance with the Bank's record retention policies.
- Maintain strong knowledge of key operational systems and their direct and indirect impact on the Bank's operations.
- Assess, design, and implement workflow and system enhancements to improve operational efficiency and identify gaps across Electronic, Deposit and Loan Operations in partnership with the Banking Operations Manager.
- Participate in and oversee product development initiatives from an operational perspective, including integration with other departments and ensuring alignment with operational capabilities.
- Coordinate and prepare documentation for Federal and State examinations and external audits; ensure compliance with applicable laws and regulations.
- Serve as an active member of the IT Committee and other organizational committees as required, providing subject matter expertise on operational initiatives and technology integration.
- Comply with all federal and state regulations impacting banking operations and complete all mandatory risk and compliance training.
Skills and Abilities- In-depth knowledge of funds transfer services, ACH, wire transfers, and operating rules (
- Strong understanding of federal and state banking regulations applicable to operations, including BSA/AML, OFAC, and escheatment laws.
- Excellent leadership and team management skills with the ability to inspire, mentor, and develop staff.
- Superior analytical, problem-solving, and decision-making abilities.
- Proficiency in core banking systems, electronic banking platforms, and Microsoft Office Suite (Excel, Word, Outlook, PowerPoint).
- Exceptional time management skills and the ability to manage multiple priorities under tight deadlines.
- Strong written and verbal communication skills; ability to present complex operational concepts clearly to technical and non-technical audiences.
- High level of integrity, professionalism, and sound judgment in handling sensitive and confidential information.
- Demonstrated ability to work collaboratively across departments and influence stakeholders at all levels.
QualificationsRequired:- Bachelor's degree in Business Administration, Finance, or a related field, or equivalent combination of education and professional experience.
- Minimum of 3 years of progressive experience in banking operations with a focus on deposit and electronic-based financial services.
- Minimum of 3 years in a leadership or supervisory role within a financial institution.
Preferred:- Experience with community or regional banking environments.
- Prior involvement in system conversions, technology upgrades, or process reengineering initiatives.
- Certifications such as Accredited ACH Professional (AAP), Certified Treasury Professional (CTP), or Certified Anti-Money Laundering Specialist (CAMS).
