Operations Treasury Management Utility Representative

Role Summary

The Operations Treasury Management Utility role reports directly to the Operations Manager. The position is designed to be flexible within the Treasury Management Operations team, providing help where it is needed. This position requires strong operational judgment and the ability to retain and apply knowledge across multiple functional areas, enabling the individual to quickly step into different responsibilities without direct supervision.

The individual provides high‑quality service to members and others who use credit union products and services, offering courteous and professional service to members and coworkers and performing all related duties as assigned.

• Perform ACH operational functions including file review, validation, approval and release (Same‑Day and next‑day); manage returns, NOCs and corrections, monitor limits and review activity in compliance with NACHA rules, Federal Reserve requirements and internal risk thresholds.
• Review, approve and release domestic and international wire transfers in accordance with internal controls, dual requirements and regulatory guidelines.
• Perform research, correction and issue resolution related to ACH, Wire, Merchant Deposit Capture (MDC), Positive Pay and Treasury Management services and work with leadership for complex issue resolution.
• Support Positive Pay services, including scrub report reconciliation, exception and return processing, dispute management and issue resolution.
• Support onboard and maintain Treasury Management and business account services by completing company setup and ongoing maintenance in Payments and IQ Systems (PIQs) and related platforms and assisting Commercial Banking Contact Center and Treasury Management with implementation of products such as ACH, wires, Commercial Online Banking, Account Analysis, Positive Pay, sweep accounts and related services.
• Perform account maintenance activities including sweep creation, rate adjustments, temporary limit increases, and other service‑related changes with proper approvals and documentation.
• Maintain complete records of approvals, exceptions and investigations.
• Document exceptions and escalations per procedure.
• Assist with conducting annual Treasury Management relationship reviews, including transactional analysis, credit exposure assessment, and risk evaluation.
• Assist with annual ACH audits and support internal, external, and regulatory audit requests.
• Process and manage IOLTA and IRETA pre‑authorizations and required reporting.
• Prepare, analyze, and complete ACH, MDC and Treasury Management monthly performance and operational metrics, ensuring accuracy, timeliness and appropriate escalation of results.
• Meet accuracy and timeliness standards for processing daily cutoffs.
• Maintain Service Level Agreement (SLA) response times.
• Provide recommendations for process improvements, automation and risk mitigation strategies.
• Respond to internal department and member inquiries within the established SLAs.
• Meet or exceed individual key performance indicators (KPIs) expectations.
• Perform job duties with limited daily supervision, exercising a high level of discretion and sound judgment.
• Maintain strong knowledge of BSA requirements, NACHA rules, check regulation and policies and procedures which impact assigned responsibilities.
• Maintain general knowledge of other organizations within the credit union and all service products offered to accurately answer questions from members and team members.
• Maintain and protect all sensitive data utilizing the highest standard of confidentiality and professionalism.
• Attend training sessions, conferences and seminars as approved by leadership.

• Ability to provide excellent member‑centric service.
• Consistently display strong communication and listening skills with peers, members, leadership and vendors.
• Attention to detail, ability to meet strict deadlines and manage queues.
• Ability to work in a demanding environment while utilizing strong organizational skills to multi‑task and maintain a high level of accuracy.
• Ability to work a flexible schedule according to business needs.
• Practice critical thinking to mitigate fraud/losses to…