ACH Share Draft Representative

APGFCU•Edgewood, MD

1d•$40,700 - $65,100•Onsite

About The Position

At APGFCU, our values are at the heart of everything we do, empowering us as leaders in the credit union movement. We prioritize purpose and connection in how we serve our members, co-workers and communities - helping to navigate life's little and big moments. Under the direction of the Manager – Support Services, this position is responsible for performing and coordinating functions comprised of ACH (Automated Clearing House) to include sending and receiving of transactions. Share draft processing, mobile deposit processing and reconciliation of all files. Record retention for APGFCU checks. Ensure credit union compliance with NACHA (National Automated Clearing House Association) and Federal Reserve regulations and guidelines. Support and service other credit union employees and departments as needed. Correspondence with other financial intuitions as needed relating to these responsibilities.

Requirements

Associates Degree in Business or related fields or additional specialized training equivalent to two years college, experience can be credited in lieu of education.
Three to five years financial institution experience in deposit operations, including check processing, ACH transmissions, and credit union services.
Knowledge of financial regulations and practices concerning ACH transmissions, check encoding/processing and saving functions.
Good verbal communication, interpersonal, organization, research, problem solving, time management, personal computer skills; ability to prioritize and meet deadlines.
Must be numbers and detail oriented and have ability to multi-task.

Responsibilities

Coordinate duties regarding ACH and check processing, balancing and settlement.
Process ACH files using multiple software applications. Ensure the posting and transmission of files meet deadlines enforced by the Federal Reserve and NACHA rules.
Data entry, validation and transmission of ACH originations for consumer and business members.
Responsible for ACH payment exceptions including but not limited to processing DNEs (Death Notification Entries); Reclamations; Disputes; Stop Payments and returns of Unauthorized ACH entries.
Track ACH transactions, returns and payroll statistics to be reported to management on a regular basis.
Process Check inclearing files, exceptions and returns.
Process and reconcile deposits and payments made through mobile banking and RDC (Remote Deposit Capture).
Research and resolve ACH, Check, mobile and RDC discrepancies and inquiries as needed.
Contribute to process improvements.
Provide support as needed to other departments and members.
Provide professional and courteous member service to internal and external members.
Ensure all work is completed in accordance with credit union policy and procedures.
Remain abreast of credit union products, services, policies and procedures.
Make decisions within established authorized limits.
Ensure compliance with NACHA rules and federal regulations as it relates to job duties.
Test and identify problem errors and aid in resolution prior to loading a release to live systems in order to minimize disruption of workflow and ensure efficient and effective service.
Promote an atmosphere of open communications, efficient productivity and high-quality member service.
Analyze and suggest ideas to increase productivity.
Complete annual training assigned by APGFCU’s professional development department.
Attend MACHA (Mid-Atlantic ACH Association) workshops and webinars to remain up to date on evolving payments industry.
Assist in the training and development of new staff as needed.
Serves as a backup for other duties within the deposit services department.
Perform business continuity procedures as related to assigned duties. This may include working beyond scheduled hours and remotely.
Perform other related duties as assigned or associated with responsibility.
Responsible for completion of applicable training and compliance on federal regulations and APGFCU policies and procedures as related to the duties of this position (Bank Secrecy Act, Information Security as examples, if applicable).