The estimated salary for this position is $57,000-$62,000/Annually.
Duties and Responsibilities/Results:
Optimization and Enhancement Duties
- Lead or support payment optimization initiatives, including new methods, rails, technologies, and
infrastructure improvements with IT, product, operations, risk, and other business partners.
- Analyze end-to-end payment flows, including ACH and real-time payments, to identify
bottlenecks, improve efficiency, reduce costs, and enhance customer and branch experience.
- Develop and maintain reports, dashboards, and documentation to track payment performance,
processing times, failures, trends, audit support, and compliance needs.
- Monitor fraud, operational risk, and industry/payment trends; recommend or support controls,
process changes, and emerging payment enhancements.
Overdraft Duties
- Maintain the legacy Overdraft Program, including daily review of overdrawn accounts,
View/Nautilus reports, customer notices, opt-in maintenance, waiver letters, and Fresh Start
Agreement monitoring.
- Review accounts for charge-off, determine collection strategy, remove Overdraft Privilege
services when appropriate, place holds, redeem funds when available, and close accounts as
needed.
- Document collection activity, notify branches of charge-offs through DNA activity, report unpaid
balances to ChexSystems, and make recommendations to management when repayment
arrangements are unsuccessful.
- Provide customer and branch support for overdraft matters, including excessive-user monitoring,
collection communications, counseling notices, and compliance with Bank policies, procedures,
and regulations.
ACH Duties
- Review and resolve ACH rejects, load errors, origination exceptions, pre-notes, stop payments,
unauthorized debit forms, reversals, recalls, direct deposit tracers, and ACH-related inquiries.
- Meet daily ACH processing deadlines by coordinating branch and department responses, entering
required system updates, and ensuring timely processing, posting, return, escalation, or
resolution.
- Balance ACH reject files, return file reports, Federal Reserve settlement activity, general ledger
entries, suspense accounts, and related customer or Bank accounting transactions.
- Support NACHA, Federal Reserve, OFAC/IAT, and Bank requirements while reviewing ACH activity
for fraud or operational risk indicators, including micro-entry name matching, retry reports,
unusual activity, duplicate fee concerns, death alerts, deceased depositor matters, and Treasury
reclamations.
Miscellaneous Duties
- Maintain effective on-site collaboration, access to source documentation, management
approvals, systems, tools, and time-sensitive workflows needed to support operational
productivity.
- Sign into remote access systems at least weekly to maintain connectivity and familiarity with off site tools and resources.
Perform additional duties as assigned.
Job Specifications:
- Undergraduate Degree preferred.
- A good knowledge of English for oral and written communication.
- Proficient knowledge of MS Word, Excel and Outlook,
- Demonstrated ability to build and maintain rapport with branch personnel.
- Maintain confidential customer and Bank information in a responsible and secure manner.
- Knowledge of basic accounting debit and credit principles, including balancing reports, general ledger
entries, suspense accounts, and customer transactions.
- Ability to work effectively under pressure in a multi-task, fast-paced environment and meet daily
payment processing deadlines.
- Strong research, problem-solving, critical thinking, attention to detail, organization, professionalism,
and customer service skills.
- Ability to detect, assess, and escalate unusual or suspicious payment activity.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.
