Payment Operations - ACH Payment Operations Senior Specialist

Golden 1 Credit Union•Sacramento, CA

17h•Hybrid

About The Position

As a Senior Specialist at Golden 1 Credit Union, you will be instrumental in driving the organization’s vision, mission, and strategic objectives. This role demands an advanced understanding of ACH operations and a thorough comprehension of related processes. Your key responsibilities will include leading and prioritizing tasks, managing departmental queues, and overseeing workflows to ensure the timely processing of transactions. Candidates must demonstrate proven experience in cross-training and covering vacancies within the department, coupled with strong analytical skills for effective issue resolution. The ability to prioritize and manage multiple tasks simultaneously is crucial for success in this position. You will monitor and oversee daily production efforts and deadlines while safeguarding the credit union's interests through prudent financial practices and strategic decision-making. Essential functions of your role will include providing phone coverage for incoming calls, investigating and resolving member inquiries and escalations, and collaborating with cross-functional teams to enhance the member experience. Additionally, you will be responsible for creating, reviewing, and updating procedural documents to accurately reflect current processes. Lastly, you will be instrumental in driving efficiencies and providing support or leadership for departmental initiatives and projects. This includes conducting system testing and validating enhancements or upgrades, as well as implementing new products and services.

Requirements

Minimum of a high school diploma or equivalent.
5 years of experience in complex ACH Processing, ACH Disputes, Origination, Reclamations and member servicing within the financial industry.
In-depth knowledge of state and federal laws and regulations as well as credit union policies and procedures related to products and services.
Strong oral and written communication skills.
Professional member relations skills & telephone etiquette.
Proficient computer skills and software experience.
Ability to work as a team and exhibit strong leadership skills.
Ability to work independently with little supervision.
Good organizational skills and ability to multi-task.
Display confidentiality skills.
Strong hand-eye coordination is essential for accurately reading, posting, and settling complex general ledger accounts and related issues.
Corrected hearing within a normal range to manage extensive phone communications with internal and external contacts effectively.
Sufficient manual dexterity to skillfully operate an online computer terminal and other standard office equipment, including a typewriter, adding machine, personal computer, facsimile machine, and telephone.
Mobility to alternate between sitting and moving throughout the workday.

Nice To Haves

A bachelor's degree in finance, accounting, business administration or 5 years in a related field is preferred.
Extensive knowledge with processing REG E and Nacha Rules and guidelines preferred.
Accredited ACH Professional (ACH) preferred.

Responsibilities

Lead, train, direct, and guide departmental staff to cultivate a motivated and high-performing team environment.
Collaborate closely with the Department Supervisor to develop and implement comprehensive cross-training schedules.
Escalate discrepancies, address member impact, and report fraud-related activities, ensuring staff versatility and operational efficiency throughout the department.
Review and process distributions, post transactions, balance accounts, and create and send reclamations and files through the ACH network.
Reconcile discrepancies and effectively manage all associated workflows.
Maintain organized and comprehensive records of all interactions and transactions.
Maintain a thorough understanding of state and federal laws and regulations relevant to credit union compliance, including bank secrecy and anti-money laundering laws with an in-depth understanding of the Nacha Rules/Greenbook.
Ensure strict adherence to internal audit protocols, security measures, and credit union regulations, policies, and departmental procedures.
Utilize critical thinking and collaborative problem-solving skills to identify and address issues that arise outside the normal course of business, particularly those involving complex or significant transactions.
Assess member-related and system integrity issues, ensuring they are escalated promptly to the appropriate level for immediate resolution.
Communicate swiftly with management to facilitate timely notifications across the organization in situations impacting members.
Maintain organized, thorough records of all interactions, transactions, and workflow-related communications.
Review and refine workflow procedures to enhance efficiency and accuracy.
Prepare statistical reports to provide management with actionable insights.
Monitor and assist with timely reconciliation of departmental general ledgers, especially those related to complex or significant transactions.
Research and correct discrepancies timely/ clear aged items aggressively.
Stay abreast with credit union and departmental training by actively engaging in knowledge-building sessions.
Pursue self-directed development and cross-training to elevate expertise in workflow responsibilities as it relates to Nacha/REG E/Greenbook guidelines.
Participate in credit union professional development programs to enhance career progression.
Embrace additional responsibilities as assigned, including supporting system validation efforts and contributing to broader departmental initiatives.
Proactively identify and recommend process enhancements with a focus on digital transformation to elevate operational efficiency.
Support the implementation of digital initiatives by actively engaging in solution testing and contributing to the seamless integration of new technologies.
Cultivate a positive, inclusive work environment that inspires and motivates others through both words and actions.
Embody Golden 1’s mission, vision, and core values with empathy, fostering a culture where all team members feel valued and supported.
Perform the duties of the Supervisor in their absence.
Assist other departments, special projects or other duties assigned.