Payment Operations - ACH Payment Operations Specialist

job title: ach payment operations specialist department: ach operations department - payment operations status: non-exempt job code: 11808 pay scale: $23.09 - $25.50 hourly general description

as an experienced specialist at golden 1 credit union, your contribution will be crucial in advancing the organization’s vision, mission, and strategic objectives. This role requires advanced knowledge of ach operations, cross‑training in multiple workflows, proven experience covering vacancies, and a deep understanding of the complexities of related processes. This position’s primary responsibilities will include prioritizing tasks, overseeing departmental queues, workflows, creating, and sending outgoing ach files, internal money movement, manually returning ach entries, processing reversals and completing timely reconciliation of general ledgers.

In addition, diligently safeguard the credit union’s best interests, ensuring prudent financial practices and strategic decision‑making. Lastly, in this role, you will be responsible for creating, reviewing, and updating procedural documents, answering procedural questions from department and frontline staff with professionalism, maintaining service levels, researching, and resolving audit quality control errors, and cross‑training new and existing staff. You will also provide phone coverage for incoming calls, communicate, interact, investigate, and resolve member inquiries and collaborate with cross‑functional teams.

• efficient processing and documentation: exhibit exceptional attention to detail in reviewing and processing distributions, posting transactions, balancing accounts, and creating and sending reclamations and files through the ach network. Ensure accuracy and completeness by promptly reconciling discrepancies and effectively managing all associated workflows. Maintain organized and comprehensive records of all interactions and transactions to promote transparency and accountability.
• regulatory compliance: stay informed and maintain a comprehensive understanding of state and federal laws, regulations, trends, and best practices. Ensure compliance with all internal audit, security, and credit union rules and regulations, including nacha rules/greenbook, bank secrecy, and anti‑money laundering laws relevant to the role. Successfully complete all required regulatory and compliance training courses, applying this knowledge to daily responsibilities. Adhere to established fraud and security protocols.
• inquiry and issue resolution: proactively identify, investigate, and take full ownership of resolving complex inquiries, issues, discrepancies, or complaints with professionalism and diplomacy. Promptly elevate any concerns that may impact system integrity, fraud detection, or member satisfaction, ensuring timely and effective resolution.
• record‑keeping: maintain organized and detailed records of all interactions, transactions, communications related to workflows, review and update workflow procedures and prepare statistical information to management.
• communication: strong written and verbal and effective communication skills with internal staff/external financial institutions/agencies and members, demonstrating soft/active listening skills, empathy, and professionalism.
• training and professional growth: stay abreast with credit union and departmental training by actively engaging in knowledge‑building sessions. Pursue self‑directed development, cross‑training opportunities to elevate expertise in workflow responsibilities. Participate in credit union professional development programs to enhance career progression. Embrace additional responsibilities as assigned, including supporting system validation efforts and contributing to broader departmental initiatives.
• digital expectation: identify and propose process optimization, with a digital innovation focus, to enhance the operational performance. Support implementation of digitally focused projects, which include participating in testing new solutions.
• engagement participation: foster a positive, inclusive work environment that inspires others through words and actions; motivate other…