Operations Specialist, Automated Clearing House (ACH)

The primary purpose of this position is to assist Community Credit Union of Florida in living out our Mission, “Always improve the financial well-being of our members and make a positive difference in our community,” by delivering outstanding service to both internal and external members. In addition, the Operations Specialist, Automated Clearing House (ACH) is responsible for performing all daily Automated Clearing House (ACH) functions necessary to keep Community Credit Union in compliance with National Automated Clearing House Association (NACHA) rules and regulations. They are responsible for operating with a very high level of attention to detail in regard to all Automated Clearing House (ACH) matters. They will also provide quality service to all members, both internal and external. This includes assisting business clients regarding any Automated Clearing House (ACH) Origination and Merchant Remote Deposit Capture (MRDC) matters.

Community Credit Union of Florida is an Equal Opportunity Employer (EEO) and supports a drug-free workplace.

ESSENTIAL DUTIES

1. Demonstrates enthusiastic support of corporate mission, core values, and long-term objectives by performing job duties within our bylaws, regulations, Board of Directors policies, established internal and external service standards, and our work procedures while possessing adequate product knowledge as measured by the annual product knowledge assessment.
2. Delivers service to both internal and external members that is in alignment with the credit union’s Service Promises and meets all established service goals.
3. Abides by Community Credit Union’s Service Promises when helping a member or co-worker to ensure timely responsiveness to the individual’s needs. Promotes teamwork, respects opinions, abilities, and contributions of others, and conveys a willingness to assist and cooperate with others for the benefit of the organization.
4. Assists in attaining established departmental goals and adheres to all credit union standard operating policies and procedures, as well as state and federal regulations and guidelines.
5. Ensures all Automated Clearing House (ACH) and Receiving Depository Financial Institution (RDFI) files are received and loaded for the day.
6. Daily creation and remittance of exception return files to the Federal Reserve Bank. Processes exceptions and returns using National Automated Clearing House Association (NACHA) Rules and Regulations.
7. Ensures all Automated Clearing House (ACH) origination files are balanced and sent daily to the Federal Reserve.
8. Processes all Reclamations, Fed benefits, Written Statements of Unauthorized Debits, Automated Clearing House (ACH) stop payments, and other research requests.
9. Reverse payments and deposits to members accounts, when necessary, with a high level of accuracy.
10. Send notice of change letters to members with incorrect account numbers for their Automated Clearing House (ACH) deposits.
11. Track, process, and post Automated Clearing House (ACH) deposits and withdrawals on members accounts with a recently changed member number.
12. Balances all required general ledger accounts as assigned and reconciles any outages collaborating with the Accounting Department when necessary.
13. Processes incoming and outgoing wires (national and international), performs Office of Foreign Asset Control (OFAC) checks pertaining to wire transfers, and maintains the wire transfer log.
14. Assists in coordinating contracts, and inquiries, as well as the training and setup of new Automated Clearing House (ACH) origination and Merchant Remote Deposit Capture (MRDC) applications as necessary. Assists in the yearly Automated Clearing House (ACH) Originator and Merchant Remote Deposit Capture (MRDC) risk review process. Serves as the main point of contact for the yearly Automated Clearing House (ACH) risk review and audit.
15. Responsible for writing procedures for the Automated Clearing House (ACH) functions based on the National Automated Clearing House Association (NACHA) rules.
16. Responsible for ensuring a smooth and compliant annual Automated Clearing House (ACH) audit by maintaining in-depth knowledge of the Automated Clearing House (ACH) Rules and Regulations, continuing to receive training on Automated Clearing House (ACH) Rules and Regulations, and by abiding by National Automated Clearing House Association (NACHA) rules.
17. Responsible for working with the Vice President of Operations and the Operations Manager in gathering all Automated Clearing House (ACH) Audit items during the annual audit.
18. Responsible for working closely with the Retail Team to contact and update members on returned Automated Clearing House (ACH) items.
19. Provide backup for other team members in the Operations department and assist in cross-training others in the department.
20. Collaborates with collections and other departments when necessary.
21. Follows policy and procedures related to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and Customer Due Diligence (CDD) daily to ensure compliance with current regulations.
22. Performs other related duties as assigned by the Operations Manager and/or Vice President of Operations.

POSITION REQUIREMENTS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill, and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• Associate of Arts (AA) degree and at least two (3) to five (5) years of related Automated Clearing House (ACH) services experience and/or training; or the equivalent combination of education and experience in customer service in a financial institution. Work-related experience should consist of exceptional customer service, a background in Automated Clearing House (ACH) services, and strong attention to detail. Educational experience, through in-house training sessions, formal school, or financial industry-related curriculum, should be in the business or financial industry.
• Preference will be given to candidates who have the Accredited ACH Professional (“A.A.P.”) accreditation and/or are working towards the A.A.P. accreditation.
• Extensive experience, knowledge, and training in Automated Clearing House (ACH) activities, terminology, and products and services.
• Extensive knowledge of related state and federal Automated Clearing House (ACH) compliance regulations and other credit union operational policies.
• Intermediate skills in personal computer operation, word processing, Microsoft Suite, and spreadsheet software programs. Intermediate typing skills to meet the production needs of the position.
• Intermediate math skills: able to calculate interest and balance accounts, add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Locate routine mathematical errors, count currency, coins, and negotiable instruments in a timely manner.
• Effective oral, written, and interpersonal communication skills with the ability to apply common sense to carry out instructions, train personnel, interpret documents, and understand procedures. Must be able to write reports, correspondence, and communicate clearly to members and employees.
• Ability to deal with complex problems involving multiple facets and variables in standardized situations.
• Excellent organizational and time management skills. Must be able to work with little supervision while performing duties.
• Current Florida driver’s license and a vehicle with appropriate insurance coverage, if required to drive in the course of performing assigned duties and responsibilities.

The incumbent must be able to perform this position safely, without endangering the health or safety to individual or others.