ACH Specialist

• Performs daily ACH processing activities including collection distribution transmission and settlement of electronic payment files.
• Process returns Notification of Change (NOCs) rejected items non-sufficient funds (NSF) entries unauthorized transactions and other exceptions in accordance with Nacha Operating Rules Regulation E Federal Reserve requirements and Bank policies.
• Identifies researches and resolves processing issues escalating exceptions and high-risk items as needed to mitigate operational compliance and financial risk.
• Monitors ACH activity exception reports fraud monitoring alerts return rates customer exposure and transaction trends to identify unusual activity unauthorized transactions processing anomalies and potential fraud risks. Investigates suspicious activity documents findings takes appropriate corrective action and escalates concerns in accordance with established procedures and risk management guidelines.
• Establishes maintains and updates customer ACH service configurations account relationships exposure limits and related system parameters to support accurate transaction processing.
• Supports the periodic review risk assessment and reapproval of ACH Origination clients by analyzing transaction activity exposure levels return metrics and service usage.
• Monitors customer compliance with approved service parameters maintains supporting documentation and tracking records and provides reporting recommendations and risk-related information to Relationship Managers Treasury Management and management as needed.
• Responds to inquiries related to ACH Origination files. Researches and resolves issues promptly while providing while providing accurate guidance and maintaining high level of customer service.
• Performs daily balancing and reconciliation of General Ledger accounts related to ACH operations. Researches and resolves out-of-balance conditions reconciling items and processes discrepancies in a timely manner.
• Exercises sound judgement in making operation decisions on behalf of the Bank and its clients balancing risk management regulatory compliance customer service and operational efficiency.
• Communicates effectively with stakeholders and escalates complex or high-risk matters to appropriate management to support timely and effective resolutions.
• Maintains and updates department procedures reference materials job aids and operational resources to promote process consistency regulatory compliance service excellence and business continuity.
• Reviews fraud monitoring system alerts to identify potentially suspicious unauthorized or high-risk ACH transactions. Investigate alerts document findings takes appropriate action to mitigate risk and escalate concerns.

• Demonstrate professionalism integrity and a commitment to exceptional customer service through effective communication collaboration and teamwork with customers colleagues and management.
• Utilizes strong analytical problem-solving and critical-thinking skills to identify issues evaluate risks and develop effective solutions.
• Maintains a high standard of work quality productivity attendance and professionalism in support of department and organizational objectives.
• Comply with all Bank policies procedures internal controls security standards and applicable local state and federal laws and regulations.
• Completes required training and maintains knowledge of laws regulations and industry requirements applicable to assigned responsibilities including but not limited to BSA/AML/CIP Consumer Privacy Regulation CC Information Security the Bank Protection Act FACTA Identity Theft Red Flags Information Technology controls and GLBA.
• Participates in cross-training process improvement initiatives and other professional development opportunities to support operational efficiency and business continuity.
• Performs additional duties and special projects as assigned.

• Minimum of two (2) years of banking payments treasury management deposit operations or related financial services experience required.
• Knowledge of ACH processing ACH Origination return processing exception handling and Nacha Operating Rules preferred.
• Strong attention to detail and analytical skills with the ability to accurately process transactions identify exceptions analyze data and resolve problems in a timely manner.
• Demonstrated organizational and time management skills with the ability to prioritize workload manage multiple tasks simultaneously and meet established deadlines in a fast-paced environment.
• Effective interpersonal and communication skills with the ability to collaborate across departments and work successfully as part of a team to achieve organizational objectives.
• Proficient in Microsoft Office applications including Excel Word and PowerPoint with the ability to learn and effectively utilize multiple banking and payment processing systems.
• Ability to interpret apply and maintain knowledge of applicable banking regulations payment network rules industry standards and Bank policies and procedures.
• Ability to exercise sound judgment maintain confidentiality and manage sensitive customer and financial information.
• Nacha Accredited ACH Professional (AAP) certification preferred. Ability and willingness to obtain and maintain ACH-related certifications and continuing education is desirable.

• Adaptability
• Analytical Thinking
• Attention to Detail
• Communication
• Customer Focus
• Decision Making
• Initiative
• Judgement and Escalation
• Organization and Time Management
• Problem Solving
• Regulatory Compliance
• Professionalism
• Results Oriented
• Risk Awareness
• Teamwork and Collaboration

• Primarily performs work in a professional office environment requiring prolonged periods of sitting and frequent use of a computer and telephone.
• Occasionally required to stand walk bend stoop or reach while performing job duties.
• May be required to lift move or carry materials weighing up to 20 pounds.
• Ability to review prepare and maintain detailed records reports and electronic documentation with a high degree of accuracy.
• Ability to effectively communicate and exchange information with customers vendors and employees in person by telephone video conference and electronic communication methods.
• Frequently uses hands and fingers to operate a computer keyboard mouse calculator telephone and other office equipment.
• Requires the ability to perform close visual work including viewing computer screens and reviewing detailed documents for extended periods.
• Ability to maintain concentration and attention to detail while processing transactions reviewing reports and performing tasks involving financial data and regulatory requirements.

• Work is primarily performed in a professional office environment.
• The workspace is generally clean well-lit climate-controlled and maintained in accordance with applicable safety standards.
• Noise levels are typically moderate and consistent with a professional office setting.
• The position requires regular use of computers telephones and other standard office equipment.
• Employees may experience periods of increased workload deadlines and interruptions that require effective time management attention to detail and the ability to prioritize tasks.
• Frequent interaction with employees customers vendors and other business partners may occur through in-person telephone video conferencing and electronic communication methods.

Required Experience:

IC