ACH & Overdraft Specialist

Everence Services,; Lancaster (Lancaster County); On-site; USD 42,000 - 60,000; Full time

Job summary

Everence is seeking a detail-oriented ACH Processor to ensure accurate, timely processing of ACH transactions and overdraft-related activities in Lancaster, PA.

You will support daily payment operations, exception handling, account research, and regulatory compliance, coordinating with branches and partners. The role requires 1–3 years in deposit operations, proficiency with banking software and Microsoft Office, and a commitment to Everence's mission.

Qualifications

• High school diploma or equivalent is required.
• 1–3 years of experience in deposit operations or related financial services.
• Experience with regulatory compliance and reporting is preferred.

Responsibilities

• Process incoming and outgoing ACH files, postings, balancing, and settlement verification.
• Review and resolve ACH exceptions, returns, reversals, NOCs, stop payments, and disputes.
• Monitor overdraft activity and process overdraft items per policy.
• Research account discrepancies and respond to member inquiries.
• Prepare charge-offs, adjustments, refunds, and other maintenance items.
• Process ACH Originations in third-party portal.
• Complete monthly ACH reporting.
• Assist branches and departments with ACH and overdraft questions.
• Support audits and process improvement initiatives related to payment operations.

Skills

Attention to detail

Problem-solving

Organizational skills

Time management

Effective communication

Customer service

Ability to multitask

Education

High school diploma or equivalent

Tools

Excel

Word

Outlook

Banking software

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Full Time Lancaster, PA, US 2 Attachments

POSITION SUMMARY
Responsible for the accurate, timely, and compliant processing of Automated Clearing House (ACH) transactions and overdraft-related activities. Supports daily payment operations, exception processing, account research, member service, and risk mitigation while ensuring adherence to applicable regulations, NACHA rules, credit union policies, and service standards. Works closely with internal departments, branches, and external partners to resolve issues, reduce losses, and maintain operational efficiency.

RESPONSIBILITIES AND DUTIES

• Process incoming and outgoing ACH files, including postings, balancing, reconciliations, and settlement verification.
• Review, research, and resolve ACH exceptions, returns, reversals, Notifications of Change (NOCs), stop payments, unauthorized transactions, and disputes within required timeframes.
• Monitor overdraft activity, review non-sufficient funds and negative balance reports, and complete assigned overdraft processing functions according to policy.
• Research and resolve member account discrepancies, payment issues, and operational inquiries related to ACH and overdraft activity.
• Prepare and process charge-offs, adjustments, fee assessments, refunds, and other account maintenance items as applicable.
• Process and/or Approve ACH Originations in third-party portal.
• Complete monthly ACH reporting.
• Process ACH Stop Payment requests.
• Process Written Statement of authorization requests.
• Process all Cashier’s check indemnifications for the CU.
• Identify suspicious, fraudulent, or high-risk transactions and escape concerns to management, fraud, or compliance teams as appropriate.
• Maintain accurate records, logs, reports, and supporting documentation for operational, audit, and regulatory purposes.
• Ensure compliance with NACHA rules, Regulation E, Bank Secrecy Act requirements, internal controls, and established procedures.
• Assist branches, call center staff, and internal departments with ACH and overdraft-related questions, research, and issue resolution.
• Support audits, examinations, and periodic reviews by gathering documentation and responding to requests in a timely manner.
• Participate in testing, training, procedural updates, and process improvement efforts related to payment operations and deposit account services.
• Perform other related duties as assigned.

QUALIFICATIONS

Education:
High school graduate or equivalent

Experience:

• Minimum of 1-3 years of experience working with deposit operations or in a related financial services role
• Experience in managing financial accounts, regulatory compliance, and reporting

Skills and Abilities:

• Proficiency in banking software and Microsoft Office Suite (Excel, Word, Outlook)
• Excellent attention to detail and problem-solving skills
• Strong organizational and time management abilities
• Effective communication and customer service skills
• Ability to work efficiently and manage multiple tasks in a fast-paced, deadline-driven environment
• Alignment in supporting the Everence mission of empowering financial well-being for faith-inspired living

SUPERVISORY RESPONSIBILITIES:None
SCHEDULE:Full-time

Attachments (2)

2026 Benefits of working at Everence.pdf