Electronic Data Interchange Specialist jobs in Santa Rosa, CA

Performs work related to Electronic Banking Products which includes: Automated Clearing House (ACH), Debit Card, Consumer and Business Online Banking, Positive Pay, Automated Teller Machine (ATM), Person to Person (P2P), and Remote Deposit Capture (RDC) products. 

ESSENTIAL FUNCTIONS:

Operations: 40%

• Review daily debit card reports and identify fraud trends. Recommend corrective actions to management.
• Assess debit card, ACH and Zelle disputes to determine bank and customer liability as well as applicable recovery options in accordance with established Regulation E guidelines and network rules.
• Initiate chargeback process through the vendor network for relevant transactions. Complete funds transfers, issue provisional credit, credit revocation, posting of final credits, and communicate dispute status to customers.
• Respond to inquiries regarding Digital Channels and Products, research problems and aid in resolution.
• Process debit card return mail to include logging and forwarding of cards if needed.
• Perform departmental certifications of control accounts.
• OFAC processing to include the monitoring for alerts and timely notification to the risk department.
• Create and transmit wire instructions for share trade redemption or purchases

ACH Processing: 40%

• Manage daily functions of ACH back office transactions. Work with ACH portal to return unauthorized ACH transactions.
• Setup and maintain the following products: ACH, Business Online Banking, Sweeps, Remote Deposit Capture, and Positive Pay.
• Perform ACH processing functions: non-post, stop payments, death notifications, reclamations and file originations.
• Perform file movement and process customer originated ACH files.
• Test and evaluate new releases of the core application system as they pertain to ACH functions and controls.
• Respond to customer ACH inquiries.
• Attend training classes provided by vendors, processors or associations.

Channel Balancing: 10%

• Perform daily, Bi-weekly, and monthly balancing to keep accounts accurate and current. Research and document all discrepancies. Balance offsite ATMs and processor network, and order cash as needed.
• Reconcile ACH files, Zelle, and Electronic Funds Transfer (EFT) settlement balancing to core banking system.

Risk Monitoring: 10%

• Review remote and mobile capture deposits daily to identify potentially fraudulent activity. Decide whether or not to let a transaction proceed and report potential fraud to management.
• Communicate with customers and branch personnel to resolve any deposit exceptions.
• Review and respond to alerts from the department’s anomaly detection software.
• Analyze changes in customer trends and propose adjustments to management in order to enhance the department’s risk response.
• Perform callback on EFT/ACH products to include maintenance updates, new enrollment setup and forensic callback to identify potential vulnerabilities

Non Essential Functions:

• Perform special projects and research as assigned.
• Perform other duties as assigned.

SUPERVISORY RESPONSIBILITIES

None

MINIMUM QUALIFICATIONS

Knowledge, Skills and Abilities:

• Knowledge of core banking system applications.
• Knowledge of item processing practices.
• Knowledge of ACH procedures and practices.
• Intermediate level skills operating a personal computer including word processing, spreadsheet, database, and presentation software.
• Ability to work in teams or independently without supervision and handle multiply priorities.
• Must be a highly flexible self-starter with leadership and creative problem-solving skills.

Physical Requirements:

• Ability to stand, bend, stoop, sit, walk, twist and turn.
• Ability to lift up to 25 pounds occasionally.
• Ability to use a computer keyboard and calculator.
• Work environment is indoors, majority of the time is spent sitting at a desk.

Education and Experience:

A combination of education and experience equivalent to a high school diploma; and knowledge typically gained through a minimum of two years of experience in banking, cash management, or bank back-office environment.

Compensation:

The hiring range for this position is $22-$28 per hour based on skill level and relevant experience.