ACH Specialist II

Job Description

This position is responsible for the accurate and timely posting of Automated Clearing House (ACH) debit and credit exceptions to member accounts, processing returns for any unposted ACH transactions, and balancing both posted and unposted exceptions to ensure daily reconciliation. Additional responsibilities include processing ACH disputes and stop payment requests in compliance with regulatory and organizational guidelines, handling Electronic Funds Transfer (EFT) transactions, and responding to member inquiries through CRM and online banking channels. This role requires strong attention to detail, a thorough understanding of ACH rules and regulations, and the ability to provide excellent member service while maintaining operational efficiency and accuracy in a fast-paced environment.

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/Payrailz 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 Wings policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Qualifications

Minimum Formal Qualifications for this Position:

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

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 within 1 Year 

Additional Information

PAY RANGE: $22 to $26 per Hour (S12) plus a 7% annual target bonus.

Final compensation for this position will be determined by various factors such as relevant work experience, specific skills and competencies, education, certifications, location and internal pay equity.

BENEFITS:

• Generous 401(k) match
• 401k Discretionary Profit Sharing
• Health Insurance
• Dental Insurance
• Vision Insurance
• Life Insurance
• Short Term and Long Term Disability
• Health Savings Account with company contribution
• Employee Assistance Program
• Paid Vacation, Sick, Floating Holidays and Volunteer Time Off
• Paid Holidays
• Tuition Reimbursement
• Paid Parental Leave

We anticipate this position to close on 10/21/2026. Please submit your application at your earliest convenience to be considered.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.