Operations Data Processing Specialist

First National Bank North • Pequot Lakes, MN

4h

About The Position

The Operations Data Processing Specialist supports the bank’s daily payment operations by accurately processing ACH transactions, check items, and other payment-related data. This role ensures timely, compliant, and accurate handling of financial transactions while maintaining data integrity and supporting operational efficiency.

Requirements

• 2+ years of experience in banking operations, payments processing, or back-office support
• Working knowledge of ACH processing, check clearing, and payment systems
• Familiarity with NACHA rules and banking regulations (Reg CC, UCC basics preferred)
• Strong attention to detail and accuracy in a high-volume environment
• Proficiency in Microsoft Excel and core banking systems
• Ability to meet strict deadlines in a time-sensitive processing environment

Nice To Haves

• Experience with Federal Reserve systems, core processing platforms, or item processing systems
• Knowledge of wire processing and OFAC screening
• Experience with Positive Pay, RDC platforms, or treasury services
• Exposure to fraud detection tools and risk monitoring systems
• Familiarity with automation tools (e.g., Power Automate)

Responsibilities

• Process daily ACH files (origination and receipt), including batch verification, balancing, and release
• Review and process incoming and outgoing payments (ACH, wires, internal transfers)
• Process check transactions including RDC (remote deposit capture), branch capture, and exception items
• Perform item review and exception handling (returns, NOCs, rejected items, duplicate detection)
• Balance daily transaction totals and reconcile discrepancies
• Validate transaction data for accuracy, completeness, and compliance with NACHA and bank policies
• Monitor processing queues to ensure transactions meet strict deadlines and cutoff times
• Research and resolve customer and internal inquiries related to payments and transactions

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed