ESSENTIAL FUNCTIONS

• Serve as a subject matter expert and resource for ACH and Instant Payments in accordance with Regulation E and NACHA rules and guidelines.
• Interpret and apply bank deposit operations and ACH compliance requirements, ensuring all transactions adhere to applicable NACHA rules, regulatory standards, and internal risk‑management controls.
• Main point of contact for customers and branch staff to research and resolve ACH and Instant Payment inquiries.
• Reviews daily ACH Exception and Reject Reconciliation reports to process non-posted items, IAT transactions, death notifications, and ACH rejected items.
• Determines exception transaction results and processes daily ACH returns through DNA Core system and FedLine Advantage.
• Reviews daily workflow queues in OnBase to review and process all Reg E and corporate claims, stop payments, and federal benefits enrollment forms.
• Processes reclamations  within the established timeframe.
• Processes ACH Positive Pay Returns from the BGDS Department daily.
• Downloads Fed ACH Returns report from FedLine Advantage weekly.
• Downloads standard reports from FedLine Advantage monthly.
• Researches and reconciles any outages on the ACH In Process General Ledger account.
• Balances the ELAN account monthly.
• Utilizes Payment Exchange system to monitor  Instant Payment transactions including Instant Payment fraud and disputes.
• Provides support and backup on all tasks performed by the Deposit Operations Associates.
• Assists in training new and existing Deposit Operations Associates on ACH and Instant Payments related tasks.
• Assists the Deposit Operations Manager, as needed.
• Identify areas for improvement and work with management to implement recommended changes.
• Monitors procedures for accuracy and update as needed.
• Research problems of a more complex nature.
• Process all adjustment requests. 
• Assists with gathering documentation for audit requests.
• Must complete NACHA, NEACH, BSA, AML, and other Regulatory and Continuing Education as assigned.
• Must adhere to all bank and regulatory policies and procedures specific to position.
• Performs additional duties as requested.

POSITION QUALIFICATIONS

Competencies

 PHYSICAL DEMANDS

Physical Demands

Lift/Carry

Stand                                  Occasionally

10 lbs or less                  Occasionally

Walk                                   Occasionally

11 – 20 lbs                      Occasionally

Sit                                       Constantly

21 – 50 lbs                     Not Applicable

Handling/Fingering         Occasionally

51 – 100 lbs                   Not Applicable

Reach Outward               Not Applicable

Over 100 lbs                  Not Applicable

Reach Above Shoulder   Not Applicable

Push/Pull                                                                                              

Climb                                 Not Applicable

12 lbs or less                  Occasionally

Crawl                                 Not Applicable

13 – 25 lbs                      Occasionally

Squat or Kneel                 Not Applicable

26 – 40lbs                       Not Applicable

Bend                                  Not Applicable

41 – 100 lbs                    Not Applicable