Cash Management Analyst- Ford Credit Bank

Ford Motor Company • Salt Lake City, UT

6d • $45,500 - $84,600 • Hybrid

About The Position

The Cash Management Analyst is part of the Deposit Operations team at Ford Credit Bank, a new Utah industrial bank headquartered in Salt Lake City. Reporting to the Deposit Operations Manager, the Analyst executes, monitors, and reconciles daily payment operations, including wire transfers, ACH, mobile check deposits, and internal account transfers. The role manages the lifecycle of monetary transactions while meeting applicable regulatory timelines and providing high-level customer service.

The position supports the integrity and stability of the Bank’s operations by handling Reg E dispute investigations, reviewing potential OFAC matches, and ensuring payment activities comply with BSA/AML, NACHA, and federal banking standards. The Analyst also resolves complex payment inquiries with customers and external financial institutions, identifies operational trends and bottlenecks, and supports automation, system upgrades, and User Acceptance Testing as the online banking platform grows.

This is a hybrid position requiring onsite work four or more days per week. The listed salary range is $45,500–$84,600. Visa sponsorship is not available; candidates must be legally authorized to work in the United States.

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 banking or fintech operations experience 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, with the ability to troubleshoot complex payment exceptions and meet strict daily cutoff windows without compromising quality.

Nice To Haves

• Experience establishing, 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 applying modern 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 within monetary deadlines.
• Monitor and reconcile payment activity and ensure transactions are processed accurately and on time.
• Conduct end-to-end investigations of Reg E disputes involving electronic transactions and meet federal regulatory timelines.
• Review, investigate, and clear potential OFAC matches; ensure payments comply with BSA/AML, NACHA, and federal banking standards.
• Respond to complex inbound and outbound payment inquiries, working with customers and external financial institutions to resolve priority requests.
• Identify operational bottlenecks and trends, promote process automation and AI-driven improvements, and participate in system upgrades and User Acceptance Testing (UAT).

Benefits

• Immediate medical, dental, vision, and prescription drug coverage.
• Flexible family care days, paid parental leave, new-parent ramp-up programs, and subsidized backup child care.
• Family-building benefits, including adoption and surrogacy expense reimbursement and fertility treatments.
• Employee and family vehicle discount program and management leases.
• Tuition assistance.
• Paid time off for individual and team community service.
• Paid holidays, including the week between Christmas and New Year’s Day.
• Paid time off with the option to purchase additional vacation time.
• Active employee resource groups.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level