ACH Specialist II

Ent Credit Union and Wings Credit Union joined forces in January 2026. This merger means more opportunities, expanded resources, and a shared commitment to delivering exceptional member service. Together, we become more - empowering members, communities, and teams through a bold, unified future. Both organizations bring a strong legacy of member satisfaction, operational excellence, financial stability, and community impact. Recognized locally and nationally as best-in-class financial institutions and employers of choice, each is known for its commitment to financial well-being and philanthropic leadership.

Join us during this transformative time and be part of shaping the future of banking! To learn more about the merger,  .

This position is responsible for the accurate and timely posting of Automated Clearing House (ACH) debit and credit exceptions to member accounts, processing returns for any unposted ACH transactions, and balancing both posted and unposted exceptions to ensure daily reconciliation. Additional responsibilities include processing ACH disputes and stop payment requests in compliance with regulatory and organizational guidelines, handling Electronic Funds Transfer (EFT) transactions, and responding to member inquiries through CRM and online banking channels.

This role requires strong attention to detail, a thorough understanding of ACH rules and regulations, and the ability to provide excellent member service while maintaining operational efficiency and accuracy in a fast-paced environment.

• Provide external and internal member service in regard to ACH activity on members accounts via phone and/or other communication avenues (CRM, Online Banking and specialized email groups, ACH and Direct Deposit)
• Create and maintain EFT (Electronic Fund Transfers) to include paper payroll
• Process ACH Reclamations/Deceased Accounts
• Review Daily Modified Loan Reports/Skip A Pay
• Review various NSF reports such as Corporate, Symitar SAV and Harland Clark
• Review Daily ACH Stop Pay report
• Process ACH debit and credit exceptions by either posting to member accounts or returning items to the ODFIs via Fed Line by way of Application Support
• Create, initiate and/or verify ACH Origination files for Indirect, Fiserv, Coltaf, GNMA and FHLB
• Save Fedline Manual Returns and NOC Summary report
• Download and save daily Fed EDI reports
• Check edits for Same Day ACH file
• Process ACH Exception Tran Code reports
• Assist with balancing various GLs
• Assist with review and preparation of ORCC/Payrailz file
• Assist with the preparation of ACH originated Business and Corporate files
• Assist with processing new ACH Business and Corporate contracts Assist new ACH Business and Corporate members with ACH questions via phone and/or email
• Bank Secrecy Act:
  Remains cognizant of and adheres to Wings policies and procedures, and regulations pertaining to the Bank Secrecy Act.

Minimum Formal Qualifications for this Position:

• High School Diploma/G.E.D. or Equivalent required
• 2+ years' Financial Institution experience required
• 1+ years' exposure / application of ACH concepts, policies, and procedures required

Technical or Specialized Knowledge/

Skills:

• Intermediate understanding of ACH policy and procedures, Fed Line, and credit union policy and procedures.
• Must be a quick learner, able to develop a thorough understanding the ACH processes, including a complete understanding of 3rd Party Vendor processes, internal host system processes (currently Symitar), and all policies and procedures related to the credit union's ACH activities. The ACH Specialist must be able to use the host system simultaneously with third-party websites.
• Good communication, attention to detail, logic, organization,…