Sr. ACH Specialist

At Liberty, we are proud to integrate our Diversity, Equity, and Inclusion (DE&I) throughout all functions and areas of the Bank to maximize our impact and exceed goals. We believe deepening our DE&I strategies in the workplace and communities we serve creates a much better place to work for our teammates and a safe place where our customers are connected and supported. We take pride in promoting a socially responsible and sustainable future through initiatives and investment.

SUMMARY OF THE JOB :

Reports to the Electronic Fund Transfer Manager and is responsible for daily processing and timely and accurate handling of financial transactions to include processing ACH debit and credit origination transactions, handling posting of received ACH debits and credits, handling associated exceptions, processing ACH returns, Stop Payments, HELOC payments, Death Notifications, Reclamations and International ACH transactions in accordance with current NACHA(National Automated Clearing House Association) operating rules and guidelines. Ensures the customer experience is consistently aligned with Liberty Bank’s Leadership, Vision, Mission and Core Values. Collaboration with internal business partners, as well as being a strong team player who takes pride in performing well and helping others all while contributing to a positive team environment.

ESSENTIAL FUNCTIONS:

• The Sr. ACH Specialist takes responsibility for the daily processing and handling exception items that do not post correctly or need additional attention as outlined in current bank policies or procedures for all ACH related transactions.
• Follows department processing policies regarding verification procedures, posting, exception handling and return handling of ACH transactions.
• Accurately and efficiently performs daily balancing and reconciling tasks and handles out of balance conditions in a timely manner.
• Reviews ACH Stop payment items daily.
• Verifies Prenoted accounts for government items.
• Processes EFT Error Disputes in accordance with established procedures and Regulation E timeframes.
• Primary liaison for other financial institutions regarding ACH processing issues and errors.
• Assists other departments and branch staff on ACH research and processing questions by providing prompt and courteous support.
• Always maintains customer confidentiality by adhering to privacy regulations.
• Follows established Bank policies, procedures, and security measures including BSA and OFAC related policies and procedures.
• Adheres to NACHA (National Automated Clearing House Association) operating rules and regulations.
• Performs other related activities within the Deposit Operations Unit an assigned.
  
  

Second Accountabilities

• Set up Internal/External Preauthorized transfers.
• Cross trained to cover Wire Transfer Specialist position.
• Assists with preparation of requested items for internal and external auditors.
• Assists with testing of required system upgrades.
• Assists the Fraud Unit with returns for fraudulent transactions.
• Assists with other Deposit Operations functions as needed.
  
  

Minimum knowledge/skills:

• Associate’s degree in business administration or equivalent work experience
• ACH knowledge normally acquired through 2-3 years related banking experience.
• Banking Operations experience preferred
• Working knowledge of Microsoft Office Suite.
• Proven ability to perform highly accurate, detailed work on multiple, concurrent tasks with competing deadlines.
• Experience in compiling detailed information from multiple sources.
• Proven ability in building and maintaining effective working relationships within the department as well as throughout the entire company. Ability to work independently and in a team environment.
• Accounting knowledge, including general ledger, accounts reconciliation and accounting entries
  
  

PHYSICAL REQUIREMENTS:

• General Office Equipment
• Keyboard Dexterity
• Prolonged Sitting
  
  

COMPLIANCE:

Acts affirmatively in all activities under his/her control in conformance with the Bank’s Affirmative Action, Equal Employment Opportunity, and Fair Lending Programs to achieve the Bank’s goals and objectives. The Bank shall provide equal employment opportunity to all qualified persons, and continue to recruit, hire, train and evaluate persons in all jobs without regard to race, color, religion, sex, national origin, or veteran status.

Liberty Bank is an Equal Opportunity employer. It is the policy of Liberty Bank to provide equal employment opportunities to all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information.

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