Reginald V. Gainey
Deposit Operations Manager
Cincinnati, OH · (513) 555 0126 · name@example.com · linkedin.com/in/reginaldvgainey
Key Qualifications
EXPERIENCE
Twelve years in bank operations, six of them managing a deposit operations team
INDUSTRIES
Regional commercial banking, payments processing
SPECIALTIES
Automated clearing house origination and return handling, wire operations, exception item processing, payment fraud controls
SYSTEMS
Fiserv Premier, Jack Henry Enterprise Payment Solutions, Tableau, Microsoft Excel
CREDENTIALS
Accredited Automated Clearing House Professional, Certified Anti Money Laundering and Fraud Professional
EDUCATION
Bachelor of science in business administration, University of Cincinnati
Results at a Glance
19
Year to zero
$210k
Year by moving
46
Branch staff
Executive Summary
Deposit operations manager with twelve years in payments, running an eleven person back office that clears automated clearing house files, wires and returned items for a 4 billion dollar Ohio bank. Owns the payment exception queues, the Regulation E dispute clock and the operational risk reporting that goes to the audit committee each quarter.
Signature Achievements
- Cut the daily wire exception queue from an average of 34 items to 6 by rebuilding the beneficiary validation rules.
- Brought automated clearing house return handling inside the two day window on 99.6 percent of items across 2025, up from 94 percent.
- Reduced Regulation E provisional credit timing breaches from 19 in a year to zero over two review cycles.
- Saved 210,000 dollars a year by moving remote deposit capture review to a risk based sampling model instead of full review.
- Closed all nine internal audit findings in the deposit operations area within one review cycle.
- Trained 46 branch staff on deposit exception handling, which cut items routed back to operations by a third.
Professional Experience
Deposit Operations Manager
Ohio Valley Commerce Bank, Cincinnati, OH 2020 to present
Leads eleven analysts and officers supporting 38 branches and roughly 210,000 deposit accounts.
- Owns automated clearing house origination and receipt, wire release, return items, and remote deposit capture review.
- Sets daily exposure limits for originating business customers and reviews them against actual file volume each month.
- Manages the Regulation E dispute process end to end and reports provisional credit timing to the risk committee.
- Runs the annual Nacha rules compliance review and closes the resulting corrective actions.
- Serves as the operations owner in the vendor review of the payment processor contract.
Payments Operations Supervisor
Buckeye Heritage Savings, Dayton, OH 2017 to 2020
Supervised five analysts handling wires, automated clearing house and official check operations.
- Released outgoing wires under callback verification and dual approval limits.
- Investigated payment fraud attempts and referred confirmed cases for Suspicious Activity Report filing.
- Wrote the department procedure manual used for regulatory examination preparation.
Item Processing Analyst
Miami Valley Federal Bank, Dayton, OH 2014 to 2017
Item processing and adjustments desk at a nine branch community bank.
- Processed check adjustments, encoding errors and image cash letter rejects.
- Handled incoming subpoenas and levies against deposit accounts.
- Balanced the daily item processing settlement against the Federal Reserve cash letter.
Licensure and Certification
Accredited Automated Clearing House Professional, Nacha, 2019
Certified Anti Money Laundering and Fraud Professional, American Bankers Association, 2022
Education
Bachelor of science in business administration, University of Cincinnati, 2014
Core Skills
Automated clearing house operations · Wire transfer operations · Regulation E disputes · Payment fraud controls · Exception item processing · Operational risk reporting · Vendor oversight · Team leadership · Procedure writing · Nacha rules