ACH Operations Associate

Job Summary

The ACH Operations Associate is responsible for daily operational aspects of ACH operations primarily processing all aspects related to ACH transactions with the Federal Reserve. This position assists in reconcilements, research, and trouble shooting. Assures ACH processing is in compliance with all Bank policies and procedures, as well as all applicable state and federal banking regulations.

Key Responsibilities / Essential Functions

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

• Provide quality service to the bank’s customers and support to Bank personnel.
• Perform a variety of daily tasks relating to ACH transactions including ACH Disputes in accordance with Reg E, reviewing reports, prepare correspondence, and reconciliation.
• Assist in the clearing of ACH exception items, including processing notification of changes, stop payments, and ACH Returns.
• Assist the ACH Specialist in all facets of ACH processing.
• Assure all necessary ACH information is properly and accurately completed.
• Respond to bank personnel to ensure that escalated customer inquiries and issues are researched and addressed accurately and timely.
• Develop awareness and knowledge of potential fraud and cyber threats in correspondence and workflow processing of critical functions.
• Ensure that controls are exercised, errors are corrected, and ACH related transactions are processed within set time frames.
• Understand and comply with bank policies and all state and federal banking regulations.
• Assist with reviewing, processing, and performing daily operational duties.
• Provide excellent customer service to our internal partners and customers.
• Cross-train to perform other functions and duties assigned in Bank Services.
• Maintain confidentiality and security of sensitive information.
• Adhere to all corporate policies and procedures, Federal and State regulations, and laws.
• 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:

• 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:

• 2 years of financial institution or related field preferred.
• Experience with ACH transaction processing.
• AAP certification or willingness to achieve certification.
• Bachelor’s degree in relevant field.

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.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

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)