Electronic Banking Specialist

Exchange Bank•Santa Rosa, CA

5d•Onsite

About The Position

Performs work related to Electronic Banking Products including: Automated Clearing House (ACH), Debit Card, Consumer and Business Online Banking, Positive Pay, Automated Teller Machine (ATM), Person to Person (P2P), and Remote Deposit Capture (RDC) products. This is a full-time, non-exempt position requiring 40 hours per week, Monday-Friday from 8:30 am to 5:30 pm, though this schedule is subject to change based on business needs.

Requirements

Knowledge of core banking system applications.
Knowledge of item processing practices.
Knowledge of ACH procedures and practices.
Intermediate level skills operating a personal computer including word processing, spreadsheet, database, and presentation software.
Ability to work in teams or independently without supervision and handle multiply priorities.
Must be a highly flexible self-starter with leadership and creative problem-solving skills.
A combination of education and experience equivalent to a high school diploma.
Minimum of two years of experience in banking, cash management, or bank back-office environment.

Responsibilities

Review daily debit card reports and identify fraud trends. Recommend corrective actions to management.
Assess debit card, ACH and Zelle disputes to determine bank and customer liability as well as applicable recovery options in accordance with established Regulation E guidelines and network rules.
Initiate chargeback process through the vendor network for relevant transactions.
Complete funds transfers, issue provisional credit, credit revocation, posting of final credits, and communicate dispute status to customers.
Respond to inquiries regarding Digital Channels and Products, research problems and aid in resolution.
Process debit card return mail to include logging and forwarding of cards if needed.
Perform departmental certifications of control accounts.
OFAC processing to include the monitoring for alerts and timely notification to the risk department.
Create and transmit wire instructions for share trade redemption or purchases.
Manage daily functions of ACH back office transactions.
Work with ACH portal to return unauthorized ACH transactions.
Setup and maintain the following products: ACH, Business Online Banking, Sweeps, Remote Deposit Capture, and Positive Pay.
Perform ACH processing functions: non-post, stop payments, death notifications, reclamations and file originations.
Perform file movement and process customer originated ACH files.
Test and evaluate new releases of the core application system as they pertain to ACH functions and controls.
Respond to customer ACH inquiries.
Attend training classes provided by vendors, processors or associations.
Perform daily, Bi-weekly, and monthly balancing to keep accounts accurate and current.
Research and document all discrepancies.
Balance offsite ATMs and processor network, and order cash as needed.
Reconcile ACH files, person to person and Electronic Funds Transfer (EFT) settlement balancing to core banking system.
Review remote and mobile capture deposits daily to identify potentially fraudulent activity.
Decide whether or not to let a transaction proceed and report potential fraud to management.
Communicate with customers and branch personnel to resolve any deposit exceptions.
Review and respond to alerts from the department’s anomaly detection software.
Analyze changes in customer trends and propose adjustments to management in order to enhance the department’s risk response.
Perform callback on EFT/ACH products to include maintenance updates, new enrollment setup and forensic callback to identify potential vulnerabilities.
Perform special projects and research as assigned.
Perform other duties as assigned.