Cash Management Analyst- Ford Credit Bank
About The Position
The Cash Management Analyst is a member of the Deposit Operations team at Ford Credit Bank, a proposed de novo Utah industrial bank headquartered in Salt Lake City. The role reports to the Deposit Operations Manager and is responsible for executing, monitoring, and reconciling the Bank’s payment systems. It manages the lifecycle of transactions including wire transfers, ACH, and mobile check deposits while meeting regulatory timelines and providing high-level customer service. The Analyst also analyzes operational trends, resolves payment issues, and supports the growth of the Bank’s online banking platform. Ford Credit Bank is being established to provide banking and vehicle-financing solutions, including FDIC-insured savings accounts and certificates of deposit. New hires will initially be Ford Credit employees and may transfer to the Bank once it is formally established. This hybrid position requires onsite work four or more days per week.
Requirements
- Bachelor’s degree in Finance, Business, Accounting, or a related field, or an equivalent combination of education and banking experience.
- At least 3 years of hands-on experience in banking or fintech operations, specifically managing wire transfers, ACH/electronic payments, or cash management.
- Strong working knowledge of Regulation E, NACHA Operating Rules, OFAC sanctions screening, and BSA/AML compliance.
- Exceptional analytical and interpersonal skills.
- Ability to troubleshoot complex payment exceptions and meet strict daily cutoff windows without compromising quality.
Nice To Haves
- Experience standing up, testing, or scaling payment operations in a de novo bank, neobank, fintech, or high-velocity digital banking environment.
- Active Accredited ACH Professional (AAP) or Certified Payments Professional (CPP) certification.
- Interest in using banking technology, data analytics, and AI or automation tools to reduce manual work and improve payment accuracy.
Responsibilities
- Execute daily domestic wire transfer, ACH origination and receipt, mobile check deposit (RDC), and internal account transfer operations accurately and within monetary deadlines.
- Investigate electronic transaction disputes under Regulation E and meet federal regulatory timelines.
- Review and investigate potential OFAC matches and ensure payment activities comply with BSA/AML, NACHA, and federal banking requirements.
- Handle complex inbound and outbound payment inquiries, working with customers and external financial institutions to resolve high-priority requests.
- Identify operational bottlenecks and support process automation and AI-driven improvements.
- Participate in system upgrades and User Acceptance Testing (UAT).
- Monitor and reconcile the Bank’s payment systems and analyze data to identify operational trends.
Benefits
- Immediate medical, dental, vision, and prescription coverage.
- Flexible family care days.
- Paid parental leave and new parent ramp-up programs.
- Subsidized backup childcare.
- Adoption and surrogacy expense reimbursement and fertility treatments.
- Employee and family vehicle discount program and management leases.
- Tuition assistance.
- Employee resource groups.
- Paid time off for individual and team community service.
- Paid holidays, including the week between Christmas and New Year’s Day.
- Paid time off and the option to purchase additional vacation time.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
