Senior ACH Risk Analyst

2 weeks ago

Buffalo, New York, United States The Ladders Full time
Job Overview

The Senior ACH Risk Analyst plays a crucial role in evaluating financial statements for clients utilizing ACH services. This position involves conducting thorough analyses of ACH reviews to determine the necessity for financial documentation and making informed decisions regarding subsequent actions for the review process. The Senior ACH Risk Analyst serves as the primary liaison for Treasury Management Advisors who initiate ACH reviews, ensuring the correct documentation is gathered for effective ACH risk management.

Key Responsibilities
  • Analyze and assess financial statements to evaluate ACH exposure risks.
  • Establish the necessary level of underwriting and due diligence based on the credit's risk profile.
  • Facilitate timely completion of red flag reviews, annual assessments, new originations, and modification requests, providing suitable recommendations for ACH exposure levels.
  • Support the structuring of new origination and modification requests in alignment with the organization's risk appetite.
  • Identify credit strengths, weaknesses, risks, and mitigating factors, as well as trends or anomalies in customer behavior, and investigate any suspicious activities.
  • Monitor and analyze the risk levels within the ACH portfolio.
  • Determine appropriate actions for clients in various ACH queues.
  • Evaluate and make decisions on intraday ACH breaches as necessary.
  • Review and authorize red flag reviews, annual assessments, new originations, modification requests, and breach activities for a substantial client base.
  • Collaborate with compliance, fraud, and operations teams as required.
  • Assist partners in payments, relationship management, and operations with daily oversight of ACH and Remote Deposit Capture limit breaches and overdraft remediation.
  • Support management in audits and regulatory compliance initiatives.
  • Achieve or surpass established service level expectations.
  • Ensure the integrity of data and documentation.
  • Maintain proficiency in relevant software applications.
  • Adhere to the organization's Credit Risk Policy and report any concerning credit-related trends to senior management.
  • Stay informed about industry trends and regulations, including compliance with NACHA rules.
  • Ensure adherence to organizational policies and applicable Federal/State regulations.
  • Utilize Microsoft Office and other departmental software to enhance efficiency.
  • Collaborate effectively as part of a team.
Qualifications
  • A Bachelor's degree in Finance or Accounting is preferred.
  • A minimum of 6 years of experience in roles such as commercial lending, small business banking, portfolio management, or credit analysis is preferred.
  • Experience in ACH and payments is advantageous.
The compensation for this role typically ranges around $48.08 per hour, with actual pay dependent on various factors including the candidate's experience, skills, and knowledge. Additional bonus opportunities and benefits are also available.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.

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