ACH Specialist 1
hace 15 días
Seal Beach
Job Description Job Summary The ACH Specialist 1 is responsible for daily ACH receipt and return operations in accordance with the NACHA Rules, Federal Reserve guidelines, and bank policies and procedures. This position supports end-to-end ACH processing, including exception handling, returns, reconciliations, and client support. The ACH Specialist 1 assist with compliance monitoring, reporting, and special projects to ensure accurate, timely and compliant ACH operations. Essential Duties • Process daily ACH Receipt activity, including exception items, returns, Notification of Change (NOC), and Death Notification Entries (DNE) in compliance with NACHA Rules and Federal Reserve requirements, Regulation E and Bank policies and procedures., • Reconcile daily ACH settlement activity to ensure accurate and complete posting of transactions., • Research, resolve, and respond to ACH disputes, errors and inquiries in accordance with Regulation E and Bank procedures., • Provide high quality customer service by responding promptly and professionally to phone and email inquiries from internal and external clients., • Review daily OFAC monitoring reports and escalate items as required., • Compile, maintain, and distribute ACH related reports, spreadsheets, and documentation as required to support operational and compliance needs., • Maintain current knowledge of ACH regulations, Bank policies, and procedural updates., • Participate in special projects such as but not limited to system conversions, release, disaster recovery testing, and process improvements., • Attend training and work towards advancing to an ACH Specialist 2 position., • Provide support to internal teams and external clients by responding promptly and professionally to ACH inquiries, including but not limited to transaction status and troubleshooting assistance., • Recognize and identify ACH operational or compliance issues and notify management when discrepancies, errors, or risks are identified., • Demonstrate dependability by consistently meeting deadlines, following procedures, and maintaining accuracy and quality daily work. Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security, and privacy requirements. This position will elevate suspicious activity to supervisory staff and/or BSA department. Completes compliance and other technical training workshops as assigned. Non-Essential Duties • Procedure documentation, • Scanning & Filing ACH documents., • Monthly certifications, • Statistical tracking and reporting Required Knowledge • NACHA Rules, • Regulation E, • Regulation CC, • Regulation DD, • Bank Secrecy Act Basic Knowledge, Skills, and Abilities • Outstanding customer service skills, • Excellent written and oral communication skills, • Strong analytical, critical thinking, and problem-solving skills., • Ability to work in an environment where deadlines require timely and accurate processing., • Demonstrated ability to work independently while supporting a team., • Proficient personal computer skills including Microsoft Office Outlook, Word & Excel, • Ability to work in multiple online systems required for ACH processing., • Strong oral and written communication skills when interacting with internal and external clients., • Ability to respectfully communicate with Management and Co-workers, • Strong attention to detail with excellent follow-through, • Must have ability to multi-task in a fast-paced environment maintaining attention to detail., • Ability to respectfully communicate with Management and Co-workers Equipment Operated • Lap/Desk top computers., • Standard Office Equipment (copiers, fax machines) Physical Requirements & Work Environment • Requires sitting for prolonged periods of time., • Requires lifting to 5 lbs., • Office setting w/controlled temperature Education and Experience • High School Diploma or equivalent required, • Preferred candidate must have 2-5 years of banking experience., • Accredited ACH Professional preferred As a part of the Bank’s internal control systems, employees holding sensitive positions are required to be absent from their duties for a minimum of two consecutive weeks each year. This position has been deemed to meet the test for a sensitive position, and therefore you will be required to meet the minimum absence requirement every year. This job description is not intended to be all-inclusive, and employees will be required to perform additional related work duties as assigned by their immediate supervisor and/or management. F&M Bank reserves the right to revise or change a job description or duties as the need arises. This job description does not constitute a written or implied contract of employment. February 20, 2026