ACH Operations Analyst

Job Summary

The ACH Operations Analyst is responsible for leveraging expertise in monitoring and processing of ACH operations through multiple channels, resolving exceptions and ensuring compliance with all regulations, policies and procedures.

Key Responsibilities / Essential Functions

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.   

• Serve as ACH subject matter expert.
• Stay current on industry news and products as it pertains to NACHA rules and the bank’s ACH processes.
• Assist with core system and ancillary product testing and troubleshooting for ACH related matters.
• Assure the bank’s ACH area is in compliance with all Bank policies and procedures, NACHA rules, as well as applicable State and Federal regulation and law.
• Process ACH Reclamations in accordance with guidelines of The Treasury Green Book.
• Maintain NACHA Risk Management portal as it pertains to the RDFI functions within the bank.
• Perform a variety of daily tasks related to ACH transactions including the clearing of ACH exception items, processing of notification of changes, stop payments, and ACH Returns.
• Handle ACH  Disputes in accordance with Reg E, including reviewing reports, preparing correspondence, and reconciliation.
• Assist Compliance Department personnel and bank auditors with all aspects of reviews/audits related to ACH functions.
• Review and modify ACH procedures to ensure compliance and improve efficiency in relation to ACH job functions.
• Monitor ACH transactions to ensure files are processed within set time frames in accordance with bank mandated controls.
• Identify and mitigate potential fraud and/or cyber threats related to customer correspondence or internal workflow processing of critical functions.
• Maintain an in-depth knowledge of bank services, department procedures and policies, and regulations to ensure accurate handling of inquiries.
• Cross-train to perform other functions and duties assigned in Bank Services as needed.
• Provide quality service to the bank’s customers and support to Bank personnel.
• Maintain confidentiality and security of sensitive information.
• Complete all mandatory annual compliance training.
• Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and determent of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
• Perform other duties and special projects as assigned. 

Job Requirements

Education:

• High school diploma or equivalent. 

Required:

• Accredited ACH Professional (AAP) Certification.
• 5 years in relevant field.
• Experience with ACH transaction processing.
• Basic knowledge of accounting, balancing principles, and bank operations.
• Familiarity with all federal and state banking regulations, including the Bank Secrecy Act and the USA Patriot Act.
• Solid technology skills, including proficiency with Microsoft Office.
• Ability to operate with little supervision based on thorough knowledge and application of the wire transfer procedures of the assigned position.
• Ability to travel as requested for training and department meetings. 

Preferred:

• Bachelor’s degree in a relevant field.
• Familiar with Fiserv service products.
• Knowledge of Q2 Centrix Products including Positive Pay and Dispute Tracking System.

About HomeTrust Bank

HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia. Learn more at www.htb.com. Apply today to take your first steps towards joining this talented population of employees within a growing organization. 

Work Environment, Physical Requirements  

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job.  HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

• This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• Physical activity requiring reaching, sifting, lifting to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking and hearing are required.
• The employee will frequently communicate and must be able to exchange accurate information with others.
• The employee may need to move around their office to attend meetings and to access files, machinery, or other job-related tools.

DISCLAIMER: HomeTrust Bank is an evolving company.  As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job.  While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

HomeTrust Bank values and promotes diversity and inclusion in every aspect of our business and at every level within the company. We recruit, hire, and promote employees based on their individual ability and experience and in accordance with Affirmative Action and Equal Employment Opportunity laws and regulations. Our policy is that we do not discriminate on the basis of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, physical or mental disability, pregnancy, marital status.