Cash Management Analyst- Ford Credit Bank
About The Position
The Cash Management Analyst is part of the Deposit Operations team at Ford Credit Bank, a de novo Utah industrial bank headquartered in Salt Lake City. Reporting to the Deposit Operations Manager, the Analyst executes, monitors, and reconciles the Bank’s payment systems and manages transactions including wire transfers, ACH, mobile check deposits, and internal account transfers. The role ensures operations meet regulatory timelines and standards, including Reg E, NACHA, OFAC, and BSA/AML requirements, while providing high-level customer service. The Analyst investigates Reg E disputes, reviews potential OFAC matches, resolves complex payment inquiries with customers and financial institutions, and analyzes operational trends. The role also supports the growth of online banking by identifying process bottlenecks, promoting automation and AI-enabled improvements, and participating in system upgrades and User Acceptance Testing. The position is hybrid, with a requirement to be onsite four or more days per week. New bank employees will initially be Ford Credit employees and may transfer to the Bank once it is formally established.
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 federal banking and payment regulations, including Regulation E, NACHA Operating Rules, OFAC sanctions screening, and BSA/AML compliance.
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 using modern banking technology, data analytics, and AI or automation tools to reduce manual work and improve payment accuracy.
- Exceptional analytical and interpersonal skills, with demonstrated ability to troubleshoot complex payment exceptions and meet strict daily cutoff windows without compromising quality.
Responsibilities
- Execute daily domestic wire transfers, ACH origination and receipt, mobile check deposits (RDC), and internal account transfers accurately and within monetary deadlines.
- Investigate electronic transaction disputes under Regulation E and ensure adherence to federal regulatory timelines.
- Review, investigate, and clear potential OFAC matches; ensure payment activities comply with BSA/AML, NACHA, and federal banking standards.
- Resolve complex inbound and outbound payment inquiries with customers and external financial institutions.
- Identify operational bottlenecks and support process automation and AI-driven improvements.
- Participate in system upgrades and User Acceptance Testing (UAT).
- Analyze operational data and trends and support the growth of the online banking platform.
Benefits
- Immediate medical, dental, vision, and prescription coverage.
- Generous paid time off, including the week between Christmas and New Year’s Day.
- Flexible family care days, paid parental leave, and new parent ramp-up programs.
- Subsidized backup child care.
- Family-building benefits, including adoption and surrogacy expense reimbursement and fertility treatments.
- Ford vehicle discount program for employees and family members, and management leases.
- Tuition assistance.
- Employee resource groups.
- Paid time off for individual and team community service.
- Paid holidays.
- Option to purchase additional vacation time.
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Mid Level
