ACH Payment Operations Specialist

Non-exempt position in the Payment Operations department.

About the role

As an experienced specialist at Golden 1 Credit Union, your contribution will be crucial in advancing the organization’s vision, mission, and strategic objectives. This role requires advanced knowledge of ACH operations, cross-training in multiple workflows, proven experience covering vacancies, and a deep understanding of the complexities of related processes.

You will prioritize tasks, oversee departmental queues and workflows, create and send outgoing ACH files, handle internal money movement, manually return ACH entries, process reversals, and complete timely reconciliation of general ledgers. Additionally, you will safeguard the credit union's best interests, ensuring prudent financial practices and strategic decision-making.

Responsibilities include creating, reviewing, and updating procedural documents; answering procedural questions from department and frontline staff; maintaining service levels; researching and resolving audit quality control errors; cross-training new and existing staff; providing phone coverage for incoming calls; and collaborating with cross-functional teams to resolve member inquiries.

Responsibilities

• Exhibit exceptional attention to detail in reviewing and processing distributions, posting transactions, balancing accounts, and creating and sending reclamations and files through the ACH network.
• Ensure accuracy and completeness by promptly reconciling discrepancies and effectively managing all associated workflows.
• Maintain organized and comprehensive records of all interactions and transactions to promote transparency and accountability.
• Stay informed and maintain a comprehensive understanding of state and federal laws, regulations, trends, and best practices relevant to ACH operations.
• Ensure compliance with all internal audit, security, and credit union rules and regulations, including Nacha Rules/Greenbook, bank secrecy, and anti-money laundering laws.
• Successfully complete all required regulatory and compliance training courses and apply this knowledge to daily responsibilities.
• Adhere to established fraud and security protocols.
• Proactively identify, investigate, and resolve complex inquiries, issues, discrepancies, or complaints with professionalism and diplomacy.
• Promptly escalate concerns that may impact system integrity, fraud detection, or member satisfaction.
• Maintain organized and detailed records of all interactions, transactions, and communications related to workflows.
• Review and update workflow procedures and prepare statistical information for management.
• Demonstrate strong written and verbal communication skills with internal staff, external financial institutions, agencies, and members.
• Engage in credit union and departmental training, pursue self-directed development, and participate in cross-training opportunities.
• Support system validation efforts and contribute to broader departmental initiatives.
• Identify and propose process optimizations with a focus on digital innovation to enhance operational performance.
• Support the implementation of digitally focused projects, including testing new solutions.
• Foster a positive, inclusive work environment that aligns with Golden 1’s mission, vision, and core values.

Requirements

• Minimum of a high school diploma or equivalent; a bachelor's degree in finance, accounting, business administration, or a related field is preferred.
• 1+ years’ experience with cash management or a financial background, or 2+ years’ experience in customer service, or 2+ years’ prior experience in a financial or operational role with relevant expertise.
• Meticulous attention to detail and precision in managing financial transactions.
• Proven problem-solving skills and strong communication skills to interact with internal/external business partners and financial institutions.
• Skilled in multi-tasking and time management, with the ability to prioritize tasks in a fast-paced environment.
• Ability to work independently and in a team-oriented environment.
• Excellent organizational abilities and strong interpersonal skills.
• Advanced proficiency in computer skills and extensive experience with various software applications.

Physical Requirements

• Prolonged sitting throughout the workday with occasional mobility required.
• Strong hand-eye coordination for accurately reading, posting, and settling complex general ledger accounts.
• Corrected hearing within a normal range to manage extensive phone communications with internal and external contacts.
• Extensive PC data entry and processing throughout the workday.
• Occasional bending, stooping, and lifting items weighing up to thirty pounds without assistance.
• Sufficient manual dexterity to operate an online computer terminal, adding machine, personal computer, facsimile machine, and telephone.
• Mobility to alternate between sitting and moving throughout the workday.

Pay

$23.09 - $25.50 hourly.