This position is responsible for posting Automated Clearing House (ACH) debit and credit exceptions to member accounts, returning any un-posted ACH exceptions, and balancing posted and un-posted exceptions for the day. Other duties of this position include the timely processing of ACH disputes, stop payments, and notifications of change (NOCs) as well as processing EFT share transfers and paper payrolls.

Essential Functions

  • Provide external and internal member service in regard to ACH activity on members accounts via phone and/or other communication avenues (CRM, Online Banking and specialized email groups, ACH and Direct Deposit). Processing ACH disputes. Create and maintain EFT (Electronic Fund Transfers) to include paper payroll. Process ACH Reclamations/Deceased Accounts. Review Daily Modified Loan Reports/Skip A Pay. Review various NSF reports such as Corporate, Symitar SAV and Harland Clark. Review Daily ACH Stop Pay report.
  • Process ACH debit and credit exceptions by either posting to member accounts or returning items to the ODFIs via FedLine by way of Application Support. Create, initiate and/or verify ACH Origination files for Indirect, Fiserv, Coltaf, GNMA and FHLB. Save Fedline Manual Returns and NOC Summary report. Download and save daily Fed EDI reports. Check edits for Same Day ACH file. Process ACH Exception Tran Code reports. Assist with balancing various GLs.
  • Assist with review and preparation of ORCC file. Assist with the preparation of ACH originated Business and Corporate files. Assist with processing new ACH Business and Corporate contracts Assist new ACH Business and Corporate members with ACH questions via phone and/or email.
  • Bank Secrecy Act: Remains cognizant of and adheres to Ent policies and procedures, and regulations pertaining to the Bank Secrecy Act.


Minimum Formal Qualifications for this Position

  • High School Diploma/G.E.D. or Equivalent
  • 2+ years' Financial Institution experience to include:
  • 1+ years' exposure/application of ACH concepts, policies, and procedures.

Each year of relevant work experience may be exchanged for a year in a relevant degree program or vice versa. For example, a requirement of a bachelor's degree in accounting and 2+ years of account experience could be substituted for a high school diploma and 6 years of relevant accounting work experience or a master's degree in accounting and 0 years of work experience.

Technical or Specialized Knowledge/Skills:

  • Intermediate understanding of ACH policy and procedures, FedLine, and credit union policy and procedures.
  • Must be a quick learner, able to develop a thorough understanding the ACH processes, including a complete understanding of 3rd Party Vendor processes, internal host system processes (currently Symitar), and all policies and procedures related to the credit union's ACH activities. The ACH Specialist must be able to use the host system simultaneously with third-party websites.
  • Good communication, attention to detail, logic, organization, professionalism, and customer service skills are required.
  • Solid business judgment, accuracy, and exercise of common sense are required.
  • Ability to detect and assess unusual and/or suspicious activity.

Certifications Required:

  • ACH Certification required within 1 year

Environmental, Physical and Psychological Requirements

  • Standing - Occasionally
  • Walking - Occasionally
  • Sitting - Frequently
  • Lifting - Rarely (40 Lbs)
  • Carrying - Rarely
  • Pushing - Rarely
  • Pulling - Rarely
  • Balancing - Rarely
  • Stooping - Rarely
  • Kneeling - Rarely
  • Crouching - Rarely
  • Crawling - Rarely
  • Reaching - Occasionally
  • Handling - Occasionally
  • Grasping - Occasionally
  • Feeling - Occasionally
  • Talking - Frequently
  • Hearing - Frequently
  • Repetitive Motions - Frequently
  • Eye/Hand/Foot Coordination - Occasionally
  • Noises louder than normal speaking volume - Occasionally
  • Temperature Changes - Rarely
  • Atmospheric Conditions - Rarely

Additional Information

The hourly range for this position is $20.50 to $25.06 (S12)

This position is eligible for our corporate bonus program based on company performance.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.

Benefits Summary Sheet - 2023

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c).