Branch Banking Operations Administrator - ZiFI

Key Responsibilities

• Support daily operational activities, including deposit operations, ACH processing, overdraft (OD) monitoring, and rejected item processing.
• Manage centralized digital banking tasks, including new business account and loan onboarding, account servicing, and issue resolution.
• Conduct account-level fraud and risk reviews to identify high-risk activity, document findings, and recommend appropriate actions, such as account restrictions or closures.
• Serve as a first point of contact for operational questions, review complex account issues, ensure quality and consistency, and help escalate risk or compliance concerns.
• Identify process gaps, risks, and improvement opportunities, and proactively collaborate with compliance, risk, technology, and product teams to recommend and implement solutions.
• Participate in building, improving, and documenting operational procedures and controls.
• Manage disputes, returns, and stop payments related to ACH processing.
• Validate customer information and verify signature authority during new account and loan onboarding.
• Conduct operational reviews to ensure accuracy, completeness, and compliance during new account and loan onboarding.

Key Functional Areas

• ACH Processing: Manage disputes, returns, and stop payments. Handle exception items and conduct research. Ensure adherence to NACHA rules and timelines.
• New Account & Loan Onboarding: Validate customer information and verify signature authority. Review business organizational documents (e.g., articles of incorporation, operating agreements, resolutions). Conduct operational reviews to ensure accuracy, completeness, and compliance.

Required Qualifications

• Prior experience in bank operations (deposit, branch, or back-office).
• Strong knowledge of ACH operations, including disputes and stop payments.
• Experience with new account onboarding for business entities.
• Working knowledge of core banking regulations.
• Ability to review and understand business organizational documents.
• High attention to detail with excellent organizational and follow-through skills.
• College degree in business, finance, communications or a related field and 4+ years of experience in branch banking, banking operations, policies, procedures and communications, both written and verbal.
• A combination of education and experience may meet qualifications.
• A self-directed and motivated individual who is comfortable working independently.

Preferred Qualifications

• NACHA accreditation or formal ACH training.
• Experience supporting or building operations for a digital bank or fintech.
• Exposure to quality control (QC), audit, or compliance reviews.
• Experience working with core banking systems.
• Loan servicing or lending operations experience.