Electronic Banking Specialist

1 month ago

Santa Rosa, United States Exchange Bank Full time

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.

ESSENTIAL FUNCTIONS:

Operations: 40%

  • 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
ACH Processing: 40%
  • 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.
Channel Balancing: 10%
  • 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.
Risk Monitoring: 10%
  • 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
Non-Essential Functions:
  • Perform special projects and research as assigned.
  • Perform other duties as assigned.
MINIMUM QUALIFICATIONS

Knowledge, Skills and Abilities:
  • 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.
Physical Requirements:
  • Ability to stand, bend, stoop, sit, walk, twist and turn.
  • Ability to lift up to 25 pounds occasionally.
  • Ability to use a computer keyboard and calculator.
  • Work environment is indoors, majority of the time is spent sitting at a desk.


Education and Experience:

A combination of education and experience equivalent to a high school diploma; and knowledge typically gained through a minimum of two years of experience in banking, cash management, or bank back-office environment.

Compensation:

The hiring range for this position is $22 to $30 per hour. The compensation offered will fall within this range, commensurate with the candidate's applicable experience, education and skills.

Who We Are

Established in 1890, Exchange Bank is one of the most unique community banks in the United States because of our history, ownership and legacy.Our employees enjoy a work environment that values a work/family balance, encourages community involvement and provides a competitive compensation and benefit package.

Our Mission

From generation to generation, we invest in people, business and community to build a strong future.

Our Core Values

Commitment, Respect, Integrity, Teamwork

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

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