Description
Join Our Team—Where Accuracy, Service, and Risk Management Power Treasury Operations
We’re seeking a Treasury Management Associate to support advanced Treasury Management servicing, operational oversight, and elevated risk management for commercial and retail clients. This hybrid role plays a critical part in safeguarding Treasury Management operations, supporting front-line and commercial teams, and ensuring products and transactions are administered accurately, securely, and in full compliance with Bank policy and regulatory standards.
As part of our continued commitment to operational excellence and strong risk management, First Carolina Bank is guided by our core values: Intentional, Responsive, Enterprising, and Considerate. These values shape how we serve our customers, support our teammates, and uphold the trust placed in us every day.
Why You’ll Love This Role
- Serve as a trusted subject-matter expert for Treasury Management products and operations
- Work in a high-impact, risk-focused role supporting ACH, wires, Positive Pay, RDC, and Treasury online banking
- Play a key role in protecting the Bank and its customers through disciplined controls and regulatory compliance
- Collaborate closely with Retail Banking, Operations, IT, Risk, Compliance, Sales, and Commercial teams
- Act as a liaison between Treasury Management customers, internal teams, and system vendors
- Support audits, exams, and ongoing risk reviews in a highly visible, trusted position
- Build deep expertise in Treasury Management operations, systems, and regulatory requirements
- Be part of a collaborative, experienced team that values accountability, sound judgment, and service excellence
What Makes You a Great Fit
- Highly detail-oriented with strong judgment and risk awareness
- Comfortable working independently within established policies and delegated authorities
- Disciplined and consistent when managing time-sensitive, high-risk transactions
- Confident serving as a resource and mentor to lower-level associates
- Professional, steady, and adaptable in a fast-paced environment
- Skilled at communicating with internal partners, commercial clients, and vendors
- Thoughtful and cautious when handling confidential customer and transactional information
Key Responsibilities
- Perform daily risk management and operational oversight for Treasury Management products, including ACH Origination, Positive Pay, ACH Filter/Debit Block, Online Wire, and Remote Deposit Capture
- Oversee Treasury Management product administration, ensuring adherence to regulatory requirements and internal procedures
- Support retail and commercial customers in onboarding, servicing, and maintaining Treasury Management and digital banking products
- Serve as the Treasury Management Online Banking subject-matter expert, including same-day maintenance and customer support
- Process ACH files within delegated authority and perform associated quality assurance
- Conduct annual reviews for Online ACH, Online Wire, and RDC, including RDC onsite inspections as required
- Maintain, create, and update Treasury Management procedures as needed
- Support audits, regulatory exams, and internal risk reviews
- Serve as liaison to Jack Henry and internal technology partners for Treasury-related system issues
- Provide mentorship and guidance to lower-level Treasury Management associates
- Assist with ongoing Treasury Management operations, process improvement, and additional duties as assigned
Qualifications
Required
- High School diploma or equivalent
- Minimum 5+ years of banking experience
- Advanced knowledge of Treasury Management products and ACH processing
- Strong understanding of banking laws, regulatory compliance, and risk management practices
- Excellent organizational skills with a high level of attention to detail
- Ability to work under tight deadlines while maintaining accuracy and control
Preferred
- Some college coursework
- 8+ years of experience in Treasury Management
- Strong experience with Jack Henry SilverLake, including treasury-related platforms and applications
Risk Management Requirements
- Adheres to workplace policies, Code of Conduct, confidentiality, privacy, and information security standards
- Complies with all applicable regulatory requirements, including BSA, AML, and USA PATRIOT Act policies
- Acts strictly within authorized limits and delegated authorities
- Follows established controls and procedures to protect the Bank, customers, and shareholders
- Actively mitigates risk by following all security, operational, and regulatory guidelines
Benefits
- Competitive total compensation
- Comprehensive health, dental, and vision insurance
- Retirement savings plan with company match
- Paid time off and paid holidays
- Professional development and internal growth opportunities
- Employee assistance programs
- Opportunity to directly support Treasury risk management and operational excellence
Our Core Values
Enterprising: We approach our work with discipline, sound judgment, and accountability.
Intentional: We deliver careful, consistent work and follow through with precision.
Responsive: We provide dependable, timely service to customers and teammates.
Considerate: We collaborate respectfully, valuing professionalism and teamwork.
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Summary
Position Purpose:
This role serves as a hybrid Treasury Management and Treasury Operations position, responsible for advanced servicing, operational oversight, and elevated risk management across Treasury Management.
Primary Responsibilities:
· Manage, review, and perform daily risk management functions for Treasury Management products (ACH Origination, Positive Pay, ACH Filter/Block, Online Wire, Remote Deposit Capture).
· Oversee Treasury Management products (ACH Origination, ACH Filter/Debit Block, Positive Pay, Online Wire, Remote Deposit Capture) – including regulatory requirements and procedures.
· Provide support for retail department and commercial clients in developing, setting up, and maintaining Treasury Management and other digital banking products.
· Promote, set up, and maintain Treasury Services for eligible customers.
· Maintain and create procedures for all Treasury Management functions when necessary.
· Serve as the Treasury Management Online Banking Expert by answering customer questions, supporting existing customers, including same-day maintenance requests.
· Assist in process improvement.
· Responsible for creating Online Wire, Online ACH, and RDC Annual Reviews, including RDC on-site inspections.
· Provide backup support or other duties as assigned by Senior Director - Treasury Management.
· Serve as Jack Henry liaison for treasury related issues that arise.
· Serve as liaison for Treasury Management sales team, customers, and/or commercial lenders with operations staff as issues arise.
· Treasury Management document review (quality control) and Treasury Management document indexing.
· Process ACH files within delegated authority and perform associated quality assurance.
· Assist with oversight of daily Treasury Management and Remote Deposit Capture operations.
· Monitor adherence to regulatory requirements for ACH, wires, Positive Pay, and RDC.
· Maintain expertise in ACH rules, file processing, and treasury risk management best practices.
· Support treasury‑related banking applications administration and maintenance.
· Support audits, exams, and internal risk reviews.
· Provide mentorship and guidance to lower‑level associates.
· All other duties as assigned.
Authority, Impact, Risk:
· Understanding of the Silverlake system- including Profit Stars, Intuit, Card Assets and Merchant Services.
· Building an understanding of the Silverlake and Treasury Management Online Banking system.
· Comply with all requirements, policies, and procedures of the Bank Secrecy Act (BSA) and attend all mandatory BSA training as needed for this position.
· Complete all required compliance and regulatory training, not limited to BSA.
Key Relationships:
· Daily Interaction with Director - Treasury Management.
· Routine interaction with department heads across Retail Banking, Operations, Compliance, IT, Risk, Legal, and Sales.
· Market Executives & Commercial Bankers
· Senior Banking Officers, Branch Supervisors, Universal Bankers
· Banking Operations Manager, Operations Staff Members
· Loan Operations Manager
Managerial Accountability:
· N/A
Working Conditions:
· Ability to work in fast paced environment.
· Ability to work under tight deadlines.
· Ability to be self-motivated and well organized.
· Ability to multitask.
· Ability to operate information terminal and other standard office equipment.
· Good communication skills.
· Limited travel.
Time Allocation:
· Oversee Treasury Management client support…………………………....50%
· Assist Retail Department with Treasury related requests …………….35%
· Other duties as needed…………………………………………….………………....10%
· Process Improvement Identification…………………………………………….…5%
Job Specifications:
Position adheres to confidentiality policy, code of ethics and knowledge of Bank Secrecy Act and best practices and other pertinent Regulatory laws and regulations.
Required:
· High School Diploma or equivalent.
· Minimum 5+ years’ experience in the banking industry
· Advanced knowledge of Treasury Management products, ACH processing, and regulatory compliance.
· Knowledge of Banking products and services.
· Ability to learn and adapt to regulatory changes and company growth.
· Good communication and organizational skills.
Preferred:
· Some college
· Strong Jack Henry platform expertise.
Minimum of 8+ years’ experience in treasury management.
Risk Management Requirements:
Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines. Understands and adheres to Anti-Money Laundering, Bank Secrecy Act, and Compliance with the USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes. Acts within authorized limits and delegated authorities and role applicable policies and procedures. Follows processes and controls to protect shareholder interests. Mitigates risk to the bank and customers by following all applicable security procedures.
Equal Opportunity Employer including Veterans/Disabilities