Hybrid Support Service Representative - ACH Processor - Espanola, NM

Del Norte Credit Union•Espanola, NM

1d•$22 - $28•Hybrid

About The Position

The ACH Processor is responsible for the accurate and timely processing of Automated Clearing House (ACH) transactions, ensuring compliance with regulatory requirements and internal controls. This role supports daily ACH operations by managing file processing, resolving exceptions, and collaborating across departments to maintain the integrity of electronic payments. The ACH Processor delivers high-quality service to both members and internal teams while monitoring for discrepancies, fraud risk, and settlement accuracy, contributing to efficient and compliant payment operations. Join Our Team at Del Norte Credit Union! We’re more than a financial institution, we’re a community. Guided by our mission of Improving Lives and vision of being Authentically New Mexico, we embrace Del Norteño Pride, reflecting our commitment to community, culture, and connection. Proudly recognized as a Platinum-Level Family Friendly Business, we are committed to People Focus, Collaboration, and Continuous Learning.

Requirements

Three years to five years of similar or related experience.
Must be ACH certified within one (1) year of being in position, unless already acquired and must maintain this certification on-going.
Microsoft Office Suite (Intermediate)
Electronic Funds Transfer (EFT) (Developing)
Compliance Regulations (Developing)
Accounting (Introductory)
Automated Clearing House (ACH) (Developing)
This position is primarily sedentary and requires the ability to remain seated or stand for extended periods while operating a computer and other office equipment.
Manual dexterity is needed for typing, using a mouse, and handling documents.
The role may involve occasional reaching, bending, or manipulating objects, as well as light lifting of up to 15 pounds.
Visual and auditory acuity are required for reading documents, creating content, and communicating effectively.
Reasonable accommodation will be provided to enable individuals with disabilities to perform essential job functions.

Nice To Haves

Spanish Speaking Incentive

Responsibilities

Research and resolve ACH exceptions, including returns, Notifications of Change (NOCs), unauthorized transactions, and discrepancies in a timely and accurate manner.
Review, upload, and process incoming and outgoing ACH files in accordance with established schedules, ensuring proper settlement balancing and prompt resolution of variances.
Provide responsive support to members and internal teams regarding ACH transactions, disputes, and account inquiries, promoting a high level of service.
Collaborate with Deposit Operations, Accounting, Fraud, and branch teams to ensure accurate processing, reconciliation, and issue resolution across payment channels.
Ensure compliance with NACHA Operating Rules, Regulation E, OFAC requirements, and internal controls; monitor daily reports and escalate suspicious or potentially fraudulent activity.
Maintain accurate documentation of ACH activity, decisions, and communications to support audit readiness and regulatory reporting; respond to internal and external audit requests as needed.
Participate in system testing, process improvements, and workflow enhancements to increase efficiency, accuracy, and scalability of ACH operations.
Cross-train and provide support across Deposit Operations functions, including share draft processing, chargebacks, foreign items, shared branching adjustments, ACH origination, and SSA verification

Benefits

Medical, Dental, and Vision Insurance with Del Norte covering up to 85% of employee insurance premiums
Flexible Spending Account
401(k) with up to a 7.5% company match
Company-paid Life Insurance and Disability coverage for eligible employees
Generous PTO, sick leave, paid holidays, volunteer hours, and Mental Health Days
Employee Assistance Program with free counseling resources
Tuition reimbursement
Wellness benefits including a free gym membership
Employee loan and banking discounts
Ongoing learning and development opportunities.