ACH/ EFT Clerk

DEXSTA FEDERAL CREDIT UNION 2187; Talleys Corner (DE); On-site; USD 42,000 - 62,000; Full time

Job summary

DEXSTA Federal Credit Union 2187 is seeking a detail-oriented accounting professional to process daily ACH and share draft activity, monitor activity for WHOA/NSF and coordinate related batch jobs.

The role requires 1–3 years of ACH processing experience, an Associate's in Accounting or equivalent, and strong knowledge of BSA/OFAC/CIP and credit union policies. Join a team focused on accuracy, compliance, and attentive member service.

Qualifications

• 1–3 years' experience with ACH processing and knowledge of ACH rules.
• High school diploma and Associate’s Degree in Accounting or equivalent.
• Strong knowledge of credit union policies, BSA/OFAC and CIP.

Responsibilities

• Process daily ACH and share draft activity and related batch jobs.
• Educate members on applicable policies and regulations.
• Monitor WHOA, NSF, and charge-off activity; maintain ledgers.
• Assist with month-end procedures and general ledger reconciliations.

Skills

ACH processing

Accounting basics

Microsoft Office

Problem solving

Attention to detail

Education

Associate’s Degree in Accounting

Tools

FedLine Advantage

Zephyr

Core processing system

Job description

Position Summary:Processes daily ACH and Share Draft activity, evaluate return activity and monitor WHOA account usage and activity.Duties/Responsibilities:Follow all credit union policies, procedures, and requirements in addition to all state and federal laws and regulations, including Regulation CC, the Bank Secrecy Act, OFAC and USA Patriot Act/Customer Identification Act (CIP). Educate members on various credit union policies, procedures and related laws and regulations where applicable.Administer daily Fedline Advantage processes; upload/download daily ACH items received and originated.Administer Vizo processes; upload/download daily share draft files, view images for exception items or by member request.Process all daily batch control jobs in the core processing system related to ACH / share drafts. Process exceptions to these jobs systematically or manually.Review daily deceased/DNE reports and process maintenance on deceased account records.Monitor WHOA program; review daily reports, review and monitor member accounts for WHOA, NSF and charge off activity.Maintain cashier check registers, including unpresented cashier check report.Answer inquiries pertaining to ACH/ drafts / WHOA program and cashier checks.Process stop payments, voids and unauthorized transactions for ACH, drafts, and cashier checks.Process/verify wire/remittance transfer transactions through Fed-Line and Zephyr including OFAC searches.Assist with member inquiries with online Bill Payment transactions and exceptions.Maintain and monitor subsidiary ledgers. Research and correct any general ledger out of balance conditions.Maintain member ACH origination database.Maintain records retention requirements for ACH and drafts.Maintain adequate postage for daily operations.Complete applicable month end procedures.Assist other accounting team members as directed.Participate in various ACH education sessions annually. Review and report on all ACH rule changes. Maintain current and update applicable rule books annually.Other duties as assigned.Essential Functions:Lifting of up to 20 pounds, twisting and kneeling are frequently requiredExtended sitting up to 95% of the timeContinuous sound perception/discrimination and verbal speech ability.Frequent exposure to dust and poor ventilation.Intermediate mathematical skills (calculations/concepts involving decimal and percentages).Ability to use a computer and adding machine, perform minor math calculations and general account reconciliations.Knowledge of basic accounting principles. Knowledge of credit union data processing system and credit union cash management policies and procedures.Knowledge of Microsoft Office programs.Excellent oral and written communication skills.Problem solving skills.Occasional travel required.Must be bondable.Education, Training and Experience:High school diploma and Associate’s Degree in Accounting or equivalent experience.Previous experience of 1 to 3 years with ACH processing and knowledge of the ACH rules preferred.