ACH Risk Analyst II

Citizens Business Bank•Rancho Cucamonga, CA

13h•Onsite

About The Position

This position is responsible for the oversight of all ACH risk-related functions, including customer onboarding, due diligence reviews, monitoring, education, resolution of ACH violations, and renewals of ACH limits. The role will also handle ACH claims outside of the standard ACH return timeframes.

Requirements

Bachelor's degree from a four-year college or university; or three to five years related experience and/or training; or equivalent combination of education and experience.
Ability to read and comprehend simple instructions, short correspondence, and memos.
Ability to write simple correspondence.
Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
Ability to deal with problems involving several concrete variables in standardized situations.
Knowledge of Navigator, Director Database software; Microsoft Office, Q2 Central Fedline Advantage and EDI.
Ability to work well under pressure while maintaining strong attention to detail
Strong organizational skills
Ability to prioritize and multi-task
Strong customer service and communication skills
Strong written and verbal communication skills
Ability to work overtime to support daily ACH processes and assist during contingency situations.

Nice To Haves

Advanced ACH training is preferred.
The goal of obtaining an ACH Network Certificate or Accredited ACH Profession (AAP) is highly encouraged.

Responsibilities

Complies with and stays abreast of all policies and procedures, Nacha Rules, federal and state laws applicable to the job.
Maintain time sensitive workflow related to ACH processes for customer onboarding, modifications and renewals.
Review ACH files originated and received to ensure all have been received and processed through applicable bank systems daily.
Review and process ACH Risk Worksheets for new and existing customers.
Research and resolve ACH system alerts and exceptions on a daily basis.
Research and resolve any “Unknown Companies” as applicable to ensure database is updated appropriately.
Update and maintain accurate information in department logs and databases.
Provide support to address customer and associate inquiries/concerns related to ACH Risk and processing functions including ACH rules, claims, out of time frame returns, reversals, notification of change (NOC), alerts and renewals.
Work with other financial institutions to recover potential losses due to unauthorized ACH transactions.
Work with customers to address escalated and/or complex NACHA rule violations in a timely and appropriate manner.
Provide education to customers on NACHA rule requirements as needed.
Assist with projects and testing related to ACH processes or applications.
Provide documentation for certifications, reporting and audits.
Oversee the annual ACH Renewal process and communications.
Provide, present and promote The Citizens Experience to all external and internal customers.
Other duties as assigned.