ACH Services Specialist

Responsibilities

• Maintain the ACH origination file for payment of in‑house loans and ensure files are processed according to the set timeline.
• Balance daily ACH reports; review and process stop‑pay requests; send/receive ACH files to/from the Federal Reserve for posting; process death notifications and reclamations; post rejected items by required daily deadlines; send returns to the Federal Reserve daily.
• Process and support Account‑to‑Account and bill‑pay processes.
• Process and support Card Funding (fund new accounts opened online).
• Monitor and review various reports to ensure member compliance with policy and procedures.
• Provide daily operational support for Treasury Management functions.
• Assist branches and back‑office departments with ACH inquiries via phone or email.
• Reconcile general‑ledger accounts assigned by the manager.
• Perform other job‑related duties as assigned, including serving as backup support to other positions.

Performance Measurements

• Carry out assigned responsibilities meeting all deadlines with no errors that result in losses to the credit union, in accordance with established departmental guidelines.
• Complete all month‑end activities within three days after month‑end.
• Provide backup support to departmental staff as assigned.
• Troubleshoot and resolve member and internal inquiries in a timely, friendly, and accurate manner.
• Maintain unqualified opinions from the CPA firm.
• Ensure no exception items from NCUA and internal audits.
• Maintain a dependable record of attendance and timeliness.
• Keep management informed of operating issues affecting the department.

Experience

• One to three years of similar or related experience; must be familiar with credit union policies and procedures.

Education

• High school diploma or GED.

Interpersonal Skills

• Work involves frequent personal contact with others inside and/or outside the organization for first‑level conflict resolution, relationship building, and soliciting cooperation.
• Discussions often require a high degree of confidentiality and discretion, demanding diplomacy and tact in communication.

Other Skills

• Capable of quick and accurate use of a 10‑key keypad by touch.
• Proficiency in Microsoft Word and Excel.
• Strong verbal and written communication skills.
• Ability to resolve errors and outages.
• Organized with the ability to manage multiple priorities, coordinate team deadlines, and exhibit good judgment.

Physical Requirements

• Light lifting may be required.

Preferred Behaviors

• Functional Expert – considered a thought leader on a subject.
• Detail Oriented – capable of carrying out tasks with all necessary details to achieve high‑quality results.