Rita Mairena
Houston,USA
Summary
Results-driven Deposit Operations Specialist with extensive experience in financial institution operations, specializing in ACH processing, Reg E compliance, fraud prevention, and deposit operations. Proven ability to manage complex transaction workflows, including stop payments, breach of warranty cases, and Social Security and VA reclamations. Recognized for cross-functional collaboration, process improvement, and maintaining accuracy in high-volume, deadline-driven environments. Fully bilingual in English and Spanish.
Overview
36
36
years of professional experience
Work History
Deposit Operations Specialist
Stellar Bank
11.2024 - Current
- Manage ACH processing, Reg E compliance cases, and fraud-related transaction reviews.
- Handle stop payments, breach of warranty cases, and Social Security and VA reclamations.
- Collaborate with Fraud, Treasury, and Deposit Operations teams.
- Train team members on ACH workflows, return codes, and compliance procedures.
- Utilize FIS, FedLine, Synergy, and Positive Pay to support transaction monitoring.
Deposit Operations Specialist / Team Lead
Wallis Bank
01.2016 - 10.2024
- Led and mentored a team of three Deposit Operations Specialists.
- Researched and resolved complex ACH and debit card issues.
- Ensured strict adherence to regulatory and privacy standards.
- Liaised between branches and operations teams.
- Provided bilingual support in English and Spanish.
Deposit Operations Specialist
Green Bank
10.2014 - 12.2015
- Managed unclaimed property research, stop payments, and NSF transactions.
- Performed detailed account research and maintained records.
- Processed loan and utility payments.
Client Support Specialist
Bank of Houston
06.2012 - 08.2014
- Investigated debit card issues and supported branch operations.
- Conducted annual remote deposit account reviews.
- Handled inbound client calls and escalations.
Assistant Cashier
The State Bank of Texas
04.2005 - 01.2012
- Assisted with domestic and international wire transfers.
- Investigated unauthorized ACH and debit card transactions.
- Prepared dormant account and BSA compliance reports.
Support Specialist III
Bank One / JPMorgan Chase
11.1997 - 04.2005
- Coached staff on operational best practices.
- Investigated posting errors and account discrepancies.
- Trained new employees.
Customer Care Representative
Servi-Medical
05.1990 - 05.1997
- Maintained customer account records and resolved service concerns.
- Conducted customer presentations and orientations.
- Trained new employees.
Education
Associate of Arts - Psychology
Inter American University of Puerto Rico — Metropolitan Campus
San Juan, PRSkills
- ACH & Payment Processing
- Reg E & NACHA Compliance
- Fraud Prevention & Risk Mitigation
- Stop Payments & Exception Handling
- Social Security & VA Reclamations
- Breach of Warranty Cases
- Account Research & Data Validation
- Process Improvement & Team Training
- Cross-Functional Collaboration
- Core Banking Systems: FIS, FedLine, Synergy, Positive Pay
- Bilingual Communication (English & Spanish)
- 10-Key Data Entry & Accuracy
Accomplishments
- Employee of the Quarter — Bank of Houston
- Maintained annual CRA compliance training
- High customer satisfaction ratings
- Recognized for bilingual support
Languages
English
Timeline
Deposit Operations Specialist
Stellar Bank
11.2024 - Current
Deposit Operations Specialist / Team Lead
Wallis Bank
01.2016 - 10.2024
Deposit Operations Specialist
Green Bank
10.2014 - 12.2015
Client Support Specialist
Bank of Houston
06.2012 - 08.2014
Assistant Cashier
The State Bank of Texas
04.2005 - 01.2012
Support Specialist III
Bank One / JPMorgan Chase
11.1997 - 04.2005
Customer Care Representative
Servi-Medical
05.1990 - 05.1997
Associate of Arts - Psychology
Inter American University of Puerto Rico — Metropolitan Campus