ACH Processing Associate

First PREMIER Bank PREMIER Bankcard; Sioux Falls (SD); On-site; USD 42,000 - 64,000; Full time

Benefits offered by this job

Medical coverage

Dental and vision coverage

Paid time off

401(k) match

Job summary

First PREMIER Bank is seeking an ACH Operations Specialist in Sioux Falls, SD to ensure accurate processing of ACH transactions and secure handling of electronic files, while maintaining internal procedures and compliance.

You will support internal teams and customers by addressing ACH-related inquiries and monitoring file integrity. A high school diploma or GED is required, with 1–2 years in banking operations or regulatory compliance preferred, plus basic Microsoft Office skills.

Qualifications

• High school diploma or GED required.
• Some college coursework or 1-2 years of experience in banking operations, financial systems, or regulatory compliance is preferred.
• Basic knowledge of Microsoft Office and general computer skills are required.

Responsibilities

• Ensures incoming and outgoing ACH transactions (direct deposits, bill payments, vendor payments, government benefits) are processed accurately and on time.
• Monitors and validates daily ACH file transmissions by comparing client-submitted transmittal forms against ACH balances.
• Collects electronic ACH files via secure transfer (SFTP) and processes them through the ACH engine for delivery to the ACH operator.
• Assists internal departments or customers with ACH-related inquiries via phone or email.
• Identifies errors or exceptions in ACH files and escalates for approval.
• Communicates information clearly with clients, team members, or departments, both verbally and in writing.
• Maintains accuracy and attention to detail to avoid errors.
• Prioritizes tasks and manages workload to meet deadlines.
• Takes initiative and follows through to completion.

Education

High school diploma or GED

Some college coursework or 1-2 years in banking operations/regulatory compliance

Tools

Microsoft Office

Job description

At First PREMIER Bank and PREMIER Bankcard, we've created a culture that emphasizes personal success, respect, health, and wellness, fun and giving back. This is an environment where you will be rewarded, valued, and celebrated for your hard work.We offer a robust and expanded package of health benefits, incentives, paid time off and growth and career advancement opportunities. We celebrate our employees and show our appreciation with private concerts, outdoor bashes, cash and car giveaways and more! See some of our epic celebrations and employee recognitions. Considered one of the nation's strongest financial organizations, we've achieved our success by embodying the views and values of The PREMIER Way. From our CEOs to the newest hires, we all follow these shared views and values to guide us on how to treat our customers, co-workers and communities. The PREMIER Way also serves as a roadmap on how to be successful inside and outside of the workplace. We believe in investing in our employees, their families and our communities.Job Description: Location: Sioux Falls, SD Company: First PREMIER Bank Job Status: Full-TimeAbout the RoleResponsible for the accurate and timely processing of ACH transactions, ensuring the secure handling of electronic files and compliance with internal procedures. Monitors file integrity, identifies discrepancies, and supports internal teams and customers by addressing ACH-related inquiries, contributing to the smooth and secure operation of the bank's payment processing.

Job Duties and ResponsibilitiesEssential duties and responsibilities include the following. Other duties may be assigned.

• Ensures that incoming and outgoing ACH transactions such as direct deposits, bill payments, vendor payments, and government benefits, are processed accurately and on time.
• Monitors and validates daily ACH file transmissions by comparing client-submitted transmittal forms against corresponding ACH file balances. Identifies and escalates any discrepancies that may indicate potential fraud or irregular processing activity.
• Collects electronic ACH files from customers via secure file transfer protocols (SFTP). Transfers files to designated holding folders, initiates processing through the ACH engine, and ensures secure and timely transmission to the ACH operator for final delivery to The Clearing House (TCH).
• Assists internal departments or customers with general ACH-related inquiries via phone or email.
• Identifies errors or exceptions in the ACH file and raises up to management for approval.
• Clearly and effectively shares information with clients, team members, or departments, both verbal and in writing.
• Accurately processes and reviews information, ensuring no errors are made.
• Evaluates information, identifies patterns or discrepancies, and solves problems logically.
• Prioritizes tasks and manages workload efficiently to meet deadlines.
• Takes initiative, manages tasks without constant supervision, and follows through to completion.

Skills and Qualifications

• High school diploma or GED required.
• Some college coursework or 1-2 years of experience in banking operations, financial systems, or regulatory compliance is preferred.
• Basic knowledge of Microsoft Office and general computer skills are required.

Competitive Benefits Package

• Full medical benefits when working 20+ hours per week
• Traditional and High Deductible health plan options available
• FREE dental and vision coverage
• Generous Paid Time Off plans
• 401(k) - dollar-for-dollar match up to 5% of total compensation
• Special discounts and offers for events at the Denny Sanford PREMIER Center
• PREMIER Wellness Program
• Paid Community Volunteer Hours - PREMIER averages 30,000 hours per year
• Fun Employee Parties

Our Culture

• We have an emphasis on personal success, respect, health, wellness, fun and giving back
• Employees are rewarded, valued, and celebrated for hard work.
• Career advancement opportunities is a way PREMIER leaders show they care.
• Appreciation is shown