ACH Processing Specialist II

ACH Processing Specialist II

Job Description

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Regular or Temporary: Regular

Language Fluency: English (Required)

Work Shift: 2nd Shift - 10% Automatic Pay Differential (United States of America)

Work Schedule:

2nd Shift Monday‑Friday 2:30 p.m. – Midnight

Coordinate the timely collection, validation, and distribution of Automated Clearing House (ACH) files utilizing the bank's mainframe application, PEP+, to ensure the stability of the ACH process and in compliance with National Automated Clearing House Association (Nacha) Rules and federal regulations related to electronic transactions. Provide final resolution for ACH file suspensions and same‑day exceptions to meet daily processing deadlines.

• Execute complex mainframe batch jobs and setups for collection and distribution of multiple intra‑day ACH batch job processing within the PEP+ application.
• Ensure batch jobs sent to deposits complete timely to provide availability of funds throughout the day in compliance with Nacha Rules and federal regulation.
• Meet established daily deadlines for window processing, balancing, and transmission to the ACH network operators.
• Reconcile and balance activity following each window and at the end of each processing day. Meet scheduled system release time for the mainframe application to support completion of the bank's end‑of‑night processes.
• Analyze and disposition ACH file suspensions for internal departments, corporate clients, third‑party vendors, subsidiaries, and affiliates in accordance with departmental procedures and compliance with the bank's ACH risk management policy by working closely with the appropriate credit officers and risk management resources. Document the suspension approval process to ensure proper resolution and audit trail.
• Independently resolve various forms of complex ACH exception transactions (e.g., ACH client settlement issues, Rush ACH Same‑Day File Processing requests, Dormant Deletion Research) requiring extensive research and manual dispositioning within the system to ensure appropriate action and accurate client resolution in accordance with Nacha Rules.
• Effectively communicate with external corporate clients, internal departments, and the bank's ACH operators (The Clearing House and Federal Reserve Bank) to ensure that all ACH files are received and/or transmitted in a timely manner and discrepancies are resolved on the same day.
• Identify file processing problems and begin proper IT Problem Management escalation processes. Collaborate with management and technical teams through processing resolution.
• Maintain extensive and expert knowledge of departmental procedures and ACH policy to act as enterprise‑wide second‑level support for ACH risk‑related questions/exceptions/issues and exception handling with external clients and multiple levels of management, including senior/executive leaders.
• Gather, document, and maintain statistics, records, and reporting related to risk/compliance to support the ACH policy and assist in establishing quality control standards to monitor abnormal production trends and identify potential risks.

• High school diploma or equivalent education and ACH file processing experience.
• Ability to work irregular hours on short notice to complete end‑of‑night processes, and be designated as a mission‑critical teammate on a rotating schedule in the event of inclement weather or natural disaster and be available to travel to off‑site backup facility for testing and recovery operations.
• Resourcefulness in multi‑tasking, anticipating needs, and researching/synthesizing information to resolve problems in a time‑sensitive/high‑pressure environment.
• Demonstrated proficiency in basic computer applications such as Microsoft Office software products.
• Excellent…