ACH & Overdraft Specialist

EVERENCE SERVICES,; Upper Leacock Township (PA); On-site; USD 42,000 - 66,000; Full time

Job summary

Everence Services is seeking an Operations Specialist to manage ACH processing, overdraft activities, and regulatory compliance. You will collaborate with internal teams and external partners to ensure accuracy, timeliness, and risk mitigation in daily payment operations.

The role requires 1–3 years in deposit operations, proficiency with banking software and Microsoft Office, and strong attention to detail.

Qualifications

• High school graduate or equivalent.
• 1–3 years in deposit operations or related financial services.
• Experience with regulatory compliance and reporting.

Responsibilities

• Process ACH files, postings, balancing, and settlement verification.
• Resolve ACH exceptions, returns, NOCs, stop payments, disputes within timeframes.
• Monitor overdraft activity and process related items per policy.
• Research and resolve member account discrepancies and payment issues.
• Prepare and process charge-offs, adjustments, and refunds as applicable.
• Process ACH originations in third-party portal.
• Complete monthly ACH reporting.
• Assist branches and departments with ACH/overdraft questions.
• Support audits, examinations, and process improvements.

Skills

Banking software

Microsoft Office

Attention to detail

Problem solving

Organization and time management

Communication and customer service

Education

High school diploma or equivalent

Tools

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