Senior ACH and Wire Specialist

5 days ago


Leavenworth, Kansas, United States CommunityAmerica Credit Union Full time
Job Summary

This position is responsible for reviewing and processing all incoming and outgoing domestic and international wire transfers and daily duties related to ACH origination, research, returns, and exceptions. The successful candidate will ensure compliance with ACH and wire regulations and policies, and update procedures as necessary.

Key Responsibilities
  • Review and process all incoming and outgoing domestic and international wire transfers following approval limits and department procedures.
  • Analyze wire requests for suspicious transactions and partner with Fraud & Financial Investigations to review when needed.
  • Work closely with Frontline, Accounting, and Treasury Management staff to resolve issues and assist with member and employee questions.
  • Provide clarification for Frontline staff on proper wire transfer entry to ensure smooth processing.
  • Understand and adhere to NACHA rules and regulations.
  • Understand and adhere to Regulation E regarding ACH disputes.
  • Perform daily monitoring and processing of ACH origination files in a timely manner.
  • Perform daily review and processing of ACH returns and exceptions in a timely manner.
  • Perform ACH research as requested through cases and emails in a timely manner.
  • Adhere to critical timelines when completing assigned department duties.
  • Adhere to established department procedures and policies.
  • Act as a resource for and answer questions from Frontline teams related to ACH and Wire processing.
  • Communicate in a clear and precise manner when working with Frontline and other internal Departments.
  • Review and identify solutions for issues impacting the member experience, including working closely with management on escalated issues.
  • Draft, review, and maintain departmental procedures, workflows, and training materials.
  • Assist with assigning tasks to ensure appropriate coverage.
  • Make sound decisions that consider credit union risk and the overall member experience, and surface vulnerabilities and concerns to management.
  • Understand and adhere to the following Regulations: Reg E; Reg J; Reg CC; Uniform Commercial Code (UCC) Article 4A; OFAC; Bank Secrecy Act/Anti-Money Laundering (BSA/AML); Operating Circular 4, 5, and 6; Title 31 CFR Subpart B; Green Book; OCC 235; and NACHA operating Rules.
  • Provide internal department coverage to maintain daily operations during periods of staff shortages and time-off.
  • Complete a minimum of eight ACH and Wire continued education courses annually identified by management.
  • Promote honest and open communication with team members and throughout the credit union.
  • Demonstrate behaviors that are consistent with the credit union's values, philosophies, and leadership characteristics.
  • Perform other duties as assigned.
Requirements
  • High school diploma or equivalent applicable experience required.
  • Three (3) to Five (5) years of experience working in ACH and/or Wires required.
  • Accredited ACH Professional (AAP) certification is required.
  • Accredited Payments Risk (APRP) certification is preferred.
  • A combination of relevant experience and education may be considered.


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