Job Description

Position Summary:

The primary responsibility of the Operations Associate I: Fraud, ACH, Reconciliation & Account Research is to support core bank operations by processing and balancing ACH, ATM, check, and payment activities while ensuring accuracy and compliance with regulations. This role handles research, reporting, exceptions, and customer or staff inquiries across various deposit and payment functions. It also assists with audits, specialized programs, and other duties as needed while maintaining confidentiality.

Essential Duties and Responsibilities:

Note: The following duties are not exhaustive and may be subject to change.

Maintain record of check fraud losses and report to the BSA Officer

Research and resolve issues relating to ACH in accordance with the NACHA Operating Rules and any relative federal regulation such as return timeframes, notification of changes, error resolution and reclamation.

Stay current with all ACH updates and all NACHA Rules & Regulations.

Process Incoming ACH Returns and Corrections

Order currency for ATMs

Balance ATMs & Safepoint

Balance PIM In-Process Daily

Balance ACH Clearing Daily

Balance and Clear Exceptions for Real Time Payments Daily

Balance Source Capture Daily & Process Source Capture user set-ups.

Process daily CETO FR 2900 Reports & Submit quarterly.

Process Manual Unauthorized ACH Returns

Process death notifications

Process Drawdown for TCH Real Time Payments

Review several reports for auditing purposes.

Assisting bank staff with ACH Inquiries

Process Gift-it Card Inventory Orders

Maintain CDARS investment program.

Maintain ICS investment program.

Process Deposit Account Charge-offs Monthly

Process IOLTA Reporting Monthly

Periodically post entries to IES and TMS

Monitor Large dollar items for signatures, endorsements, erasures, alterations, and checks that require two signatures.

Complete customer research requests.

Balance general ledger and resolve differences daily.

Process Safe Deposit Box and Financial Management System non-post items daily

Process garnishments and levies according to state and federal regulations.

Process international check deposits and balance the foreign items clearing account.

Review Mobile Capture Deposits items.

Review General Ledger balancing.

Assist with annual escheatment process.

Assist SVP of Operations & Operations Manager with extra duties as deemed necessary.

Always maintain confidentiality.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Education and Experience:

High School Diploma or equivalent of.

Preferably five or more years of previous banking experience.

ACH Professional (AAP) Certification preferred.

Vast knowledge of NACHA Operations Rules and Federal Regulations.

Proficient typing skills and personal computer software skills.

Excellent written and verbal communication skills by phone, email and in person required.

Excellent understanding of financial proof procedures.

Ability to balance workload, prioritize & multi-task throughout the workday.

Must be self-motivated, with the ability to think independently and make independent decisions.

Job Type: Full-time

Pay: $16.00 - $18.00 per hour

Expected hours: 40 per week

Benefits:

401(k) 401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Health savings account Life insurance Paid time off Referral program Retirement plan Tuition reimbursement Vision insurance
Work Location: In person