EFT Risk Specialist (Remote)

UMB Bank•Kansas City, NV

22h•$51,291 - $75,460•Remote

About The Position

The EFT Investigations team ensures the accuracy, timeliness, and integrity of ACH-related transactions and resolutions. The EFT Risk Specialist handles a variety of requests, including processing settlements, handling disputes, and investigating and resolving client inquiries. The role works with external clients and internal teams on ACH-related matters, safeguards transaction accuracy, maintains precise records, and supports compliance with regulatory and operational standards. The specialist keeps leadership informed about emerging issues, trends, and potential risks, and may take on multiple initiatives assigned by Bank Operations leadership. This position is fully remote. The regular schedule is either 11:00 a.m.–8:00 p.m. CST with a one-hour lunch or 11:30 a.m.–8:00 p.m. CST with a 30-minute lunch. During the initial training period, approximately 30–60 days, the schedule is 8:30 a.m.–5:00 p.m. CST.

Requirements

At least 5 years of experience in banking or financial processing.
Strong attention to detail, organization, and time-management skills, including the ability to perform job functions amid numerous interruptions.
Technical aptitude to quickly learn company systems, platforms, and products.
Knowledge of risk types and the ability to mitigate risks independently or escalate appropriately.
Strong customer service skills.
Ability to recognize errors, issues, special requests, or inconsistencies in daily operations and resolve or escalate them appropriately.
Legal authority to work in the United States; visa sponsorship is not available.

Nice To Haves

Understanding of processes end-to-end and experience working cross-functionally with other operational units.
Familiarity with one or more bank operations functions, including ACH, wires, or deposit operations.

Responsibilities

Manage a shared inbox, ensuring timely and accurate handling of incoming communications and coordinating with relevant teams to resolve issues.
Investigate ACH-related disputes and communicate outcomes to applicable parties.
Process Treasury reclamations by reviewing documentation, coordinating with internal and external stakeholders, and following established procedures.
Investigate payment issues involving ACH and instant payment systems, identify root causes, document findings, and work with appropriate groups to resolve inquiries.
Process ACH returns for internal and external partners.
Handle incoming calls regarding ACH-related matters.
Recognize errors, issues, special requests, or inconsistencies in daily operations and resolve them or escalate them to the appropriate associate or manager.
Keep leadership informed of emerging issues, trends, and potential risks.