ACH Processing Specialist — Secure Payments

First PREMIER Bank/PREMIER Bankcard; Sioux Falls (SD); On-site; USD 42,000 - 54,000; Full time

Benefits offered by this job

Full medical benefits

Paid time off

401(k) – dollar-for-dollar match up to

Dental and vision coverage

Paid community and volunteer hours

Job summary

First PREMIER Bank in Sioux Falls, SD is seeking an ACH Specialist responsible for the accurate and timely processing of ACH transactions, ensuring secure handling of electronic files and adherence to internal procedures. You will monitor daily file transmissions, identify discrepancies, and support internal teams and customers with ACH-related inquiries.

Responsibilities include processing direct deposits, bill payments, vendor payments, and government benefits, and escalating potential fraud

Qualifications

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

Responsibilities

• Ensures 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 ACH file balances; escalates discrepancies that may indicate fraud or irregular processing.
• Collects electronic ACH files from customers via secure file transfer protocols (SFTP); transfers files to 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 to management for approval.
• Clearly shares information with clients, team members, or departments, in writing or verbally.
• Accurately processes and reviews information, ensuring no errors.
• Evaluates information, identifies patterns or discrepancies, and solves problems logically.
• Prioritizes tasks and manages workload to meet deadlines.
• Takes initiative, manages tasks without constant supervision, and follows through to completion.

Skills

Microsoft Office

General computer skills

Education

High School Diploma or GED

Job description

First PREMIER Bank in Sioux Falls, SD is seeking an ACH Specialist responsible for the accurate and timely processing of ACH transactions, ensuring secure handling of electronic files and adherence to internal procedures. You will monitor daily file transmissions, identify discrepancies, and support internal teams and customers with ACH-related inquiries.

Responsibilities include processing direct deposits, bill payments, vendor payments, and government benefits, and escalating potential fraud