Payment Operations Representative I - ACH

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General Description

Responsible for assisting internal and external customers with Automated Clearing House services. Completes ACH functions as they pertain to Receiving Depository Financial Institution (RDFI) and Originating Depository Financial Institution (ODFI) activity. Responds to internal and external customer inquiries via telephone and email. Handles a variety of clerical and quality control tasks. Handles a variety of data entry and reconciliation tasks.

Essential Duties and Responsibilities

1. Maintains a strong working knowledge of all departmental policies and procedures, as well as applicable laws and rules for ACH processing. Notifies the supervisor of any discrepancy in procedures that may need to be reviewed. This duty is performed about 15% of the time.
2. Works closely with other departments to ensure the resolution of problems regarding insufficient funds, stop payments, filters, and other un-posted ACH items. This duty is performed about 15% of the time.
3. Processes returns and notifications of change for received transactions, accurately and timely. This duty is performed about 15% of the time.
4. Responds to all internal and external customer inquiries in a timely, effective, and professional manner. This duty is performed about 15% of the time.
5. Responsible for processing and balancing outgoing origination files received from internal and external customers. This includes review, proper resolution of exception items, and balancing file totals according to department policies and procedures. This duty is performed about 10% of the time.
6. Responsible for regular monitoring and reconciliation of all general ledger accounts pertaining to ACH processing. This duty is performed about 10% of the time.
7. Responsible for processing and balancing incoming files received from the Federal Reserve. This includes review of exception items, posting of transactions to customer accounts, and making decisions regarding returns and notifications of change.  Additionally, works with the Payment Operations Supervisor on complicated transactions. This duty is performed about 10% of the time.
8. Processes all reclamation requests and death notifications for benefit of the government entities. This duty is performed about 5% of the time.
9. Maintains a variety of spreadsheets and reports to track ODFI and RDFI activity for audit and reporting purposes. This duty is performed about 5% of the time.
10. Maintains regular and reliable attendance, punctuality, and personal appearance. Communicates in a clear and efficient manner via various types of correspondence, such as, in person, phone, email, letters, etc.     Adheres to all company policies and procedures, as well as all applicable banking rules, regulations, and laws (including BSA/AML). 
11. Performs any other related duties as required or assigned.

Education and Experience

• High school diploma or GED
• 0 to 6 months of related experience and/or training
• Regular use of desktop/laptop computer, basic operating systems, and specialized software systems.
• Basic experience with alphanumeric data entry, PowerPoint, Excel, and word processing
• Ability to add, subtract, multiply and divide

Physical Requirements

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

• Semi-repetitive and low physical activities. 
• Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.
• Regularly required to sit; frequently required to use hands to handle or feel, reach with hands and arms, talk or hear; and occasionally required to stand, walk, climb or balance, stoop, kneel, crouch, or crawl.
• Occasionally required to lift and/or move up to 50 pounds.

Monday - Friday 8:00 AM - 5:00 PM

Total Hours: 40

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