Small enough to care. Big enough to deliver.

This position is an intermediate-level Deposit Operations Payment Specialist II role focused on a variety of Payment support functions utilizing a full understanding of various Deposit Operations Payment’s roles. Foundational expertise is in overall ACH, Cards, EIM, Mobile, and Wire functions, as well as more advanced level operational training and support.

• Assures compliance with all Bank policies and procedures as well as applicable state and federal banking regulations while performing all job responsibilities.
  • Remains current with NACHA Operating Guidelines.
  • Follows Reg E and Mastercard guidelines when processing debit cardholder disputes to ensure required timeframes are met.
• In conjunction with the Payment Managing Officer, ensures that sufficient ACH, Card and Wire originator training and communication occurs annually, as directed.
• Identifies opportunities for process improvements to enhance efficiency, effectiveness, and reduce errors.
• Provides support and assistance to staff, customers, and other financial institutions for all payment-related functions in a timely manner for requests that come from OnBase, KACE, phone, email, and mail.
• Assists in staff development, evaluation, and implementation of procedures to enhance operations and productivity.
• Responsible for preparing documentation and creating reports for audits, examinations, and other purposes as necessary, under the direction of the Payments Managing Officer.
• Works on special projects as assigned to ensure that work is executed and delivered within required timeframes.
• Assists with other departmental duties, including providing back-up for other roles.
• Performs review of the following daily as assigned:
  • Monitors ACH returns activity and follows up accordingly on complex ACH transactions in accordance with NACHA standards for RDFI and ODFI ACH transactions.
  • Reviews ACH monitoring reports from the Federal Reserve.
  • Sends letters of indemnity, acting and reporting as necessary.
  • Projects-System report and associated clean-up.
  • Account reconciliations.
  • Processes incoming and outgoing Wire Transfers, including both domestic and international.
  • Ensures all wires have been reviewed by Verafin before releasing.
  • Processes Foreign Items, including check conversions.
  • Ensures prompt and timely resolution of Non-Post Items.
  • Reviews and processes Holds placed on accounts.
  • Input pays or return decisions on Non-Sufficient Fund items and completes the processing of the Non-Sufficient Fund items.
  • Reviews and processes Stop Payment items.
  • Reviews and processes all Federal Reserve Adjustments.
  • Processes chargebacks and returns.
  • Processes outgoing ACH returns, including Positive Pay and Reclamations.
  • Monitors the Federal Reserve’s Availability of Funds and Collection of Check (“Reg CC”) compliance items and prepares its monthly report.
  • Processes One-Time ACH requests.
  • Processes, orders, and maintains records of ATM/Debit card applications.
  • Processes, orders, and maintains records of reissued ATM/Debit cards.
  • Reviews Falcon alerts and administers the Falcon Fraud Detection Program at the bank.
  • Balances the Bank’s ATMs:
  • Balances the General Ledger account for ATM and cardholder activity daily.
  • Reviews cardholder exception reports daily.
• Provides leadership and training:
  • Acts as the go-to escalation point for more complex customer resolution and acknowledges inquiries in an appropriate manner – ensuring response time is within one business day from the date of initial request.
  • Mentors and trains new and current team members on payment processing procedures and best practices.
  • Monitors the Payments group's ticketing software and phone queue to ensure critical items are addressed within required timeframes.
  • Assists in developing and updating training materials and documentation.
  • Leads the creation and oversight of procedures, workflow, and mini-LEAN events to ensure streamlined operations within the department.
  • Provides updates and visions for enhancements within the department.
• Performs other duties as assigned, including overdraft monitoring and other debit card-related functions.

• Post high school education preferred or equivalent combination of education and related work experience.
• In addition to education, one or more accreditations are required (e.g. AAP, APRP, NCP, FPP)
• 5+ years of experience in one or more Deposit Operations Payments support roles or an equivalent combination of education, training, and experience. 
• Banking or financial experience is required.