Operations Specialist - Wires

American Bank & Trust•Sioux Falls, SD

4d•Onsite

About The Position

The Operations Specialist processes domestic and international wire transfers and performs a range of deposit and payment operations for the Bank. The role monitors transactions and exceptions, resolves issues, supports internal customers, helps maintain regulatory compliance, and contributes to process improvements, projects, documentation, and training. The position is performed largely within the Bank during generally normal business hours, with occasional evening, weekend, and Saturday work as needed. Out-of-town and overnight business travel is required.

Requirements

Bachelor’s degree in Business or Finance, or an equivalent combination of education and experience.
Strong written and verbal communication skills.
Ability to interact with customers and employees with tact, diplomacy, and confidentiality.
Resourcefulness, organization, and ability to multitask.
Effective problem-solving and decision-making skills.
Strong attention to detail.
Ability to interpret wire instructions, apply dual-control and verification procedures, meet payment cutoff times, and identify unusual or potentially fraudulent activity.
Ability to maintain confidentiality of customer information.
Strong ethical focus.
Ability to lift and move up to 20 pounds and perform some bending, turning, and twisting.
Ability to travel out of town and overnight; some Saturday work and unscheduled evening or weekend work may be required.

Nice To Haves

AAP (Accredited ACH Professional) certification is preferred; willingness to pursue certification is encouraged.
At least 2 years of operations experience within a financial institution environment is preferred.
Experience processing wire transfers or other high-risk payment transactions is strongly preferred.

Responsibilities

Process incoming and outgoing domestic and international wire transfers accurately and within established deadlines, including reviewing instructions, validating approvals, confirming available funds, and completing verification and security procedures.
Monitor wire queues, exceptions, confirmations, and settlement activity; research and resolve rejected, delayed, duplicate, or unusual transactions; escalate potential fraud, sanctions, or compliance concerns.
Process cash letters, teller source capture, ACH, garnishments and levies, IRAs, and deposit-related maintenance requests.
Monitor and address non-post items, exception processing, stop payments, and NSF items daily.
Perform quality control on new and existing accounts to ensure adherence to regulations, policies, and procedures.
Process EFT disputes, support debit card inquiries from branch staff, and perform card maintenance.
Assist internal customers with inquiries and troubleshooting while providing exceptional customer service.
Identify process improvements and risks and propose potential solutions.
Assist with bank projects and activities and help develop related documentation and training.
Maintain current knowledge of regulatory changes and comply with applicable laws and internal policies.
Develop relationships with bank employees to increase awareness of services and opportunities.
Represent the Bank at civic and community events.
Adhere to compliance procedures and participate in required training.
Perform other duties as assigned.