ACH Share Draft Representative

APGFCU; Edgewood (MD); On-site; USD 41,000 - 65,000; Full time

Benefits offered by this job

Medical and dental benefits (shared)

Vision benefits

401(k)

Life and disability insurance

Flexible spending account

Employee assistance program

Educational assistance

Holidays and annual leave

Sick leave

Job summary

APG Federal Credit Union (APGFCU) is seeking a skilled Operations Specialist to manage ACH and share draft processes, including processing and reconciliation of files, and ensuring compliance with NACHA and Federal Reserve guidelines. The role supports multiple departments and members while maintaining security and accuracy.

The ideal candidate will have an Associate's degree in business or related field and 3–5 years of experience in deposit operations, with strong numerical and communication

Qualifications

• Associates degree required or equivalent training.
• Three to five years financial institution experience in deposit operations.
• Knowledge of ACH transmissions and check processing.

Responsibilities

• Coordinate ACH and check processing and settlement.
• Process ACH files and ensure timely posting under NACHA and Fed rules.
• Handle ACH exceptions including disputes and returns.
• Provide member and department support and research discrepancies.

Skills

Attention to detail

Numerical accuracy

Time management

Verbal communication

Organizational skills

Multi-tasking

Education

Associates Degree in Business or related fields

Additional specialized training equivalent to two years college

Job description

Where Banking Feels Like Belonging

At APGFCU, our values are at the heart of everything we do, empowering us as leaders in the credit union movement. We prioritize purpose and connection in how we serve our members, co-workers and communities - helping to navigate life's little and big moments.

Summary:

Under the direction of the Manager - Support Services, this position is responsible for performing and coordinating functions comprised of ACH (Automated Clearing House) to include sending and receiving of transactions. Share draft processing, mobile deposit processing and reconciliation of all files. Record retention for APGFCU checks. Ensure credit union compliance with NACHA (National Automated Clearing House Association) and Federal Reserve regulations and guidelines. Support and service other credit union employees and departments as needed. Correspondence with other financial intuitions as needed relating to these responsibilities.

Essential Duties and Responsibilities

ACH and Share Draft Operations:

• Coordinate duties regarding ACH and check processing, balancing and settlement.
• Process ACH files using multiple software applications. Ensure the posting and transmission of files meet deadlines enforced by the Federal Reserve and NACHA rules.
• Data entry, validation and transmission of ACH originations for consumer and business members.
• Responsible for ACH payment exceptions including but not limited to processing DNEs (Death Notification Entries); Reclamations; Disputes; Stop Payments and returns of Unauthorized ACH entries.
• Track ACH transactions, returns and payroll statistics to be reported to management on a regular basis.
• Process Check inclearing files, exceptions and returns.
• Process and reconcile deposits and payments made through mobile banking and RDC (Remote Deposit Capture).
• Research and resolve ACH, Check, mobile and RDC discrepancies and inquiries as needed.
• Contribute to process improvements.
• Provide support as needed to other departments and members.

Member Service:

• Provide professional and courteous member service to internal and external members.
• Ensure all work is completed in accordance with credit union policy and procedures.

Department Policies and Procedures:

• Remain abreast of credit union products, services, policies and procedures.
• Make decisions within established authorized limits.
• Ensure compliance with NACHA rules and federal regulations as it relates to job duties.

Testing of Systems:

• Test and identify problem errors and aid in resolution prior to loading a release to live systems in order to minimize disruption of workflow and ensure efficient and effective service.

Team Communication/Productivity Support:

• Promote an atmosphere of open communications, efficient productivity and high-quality member service.
• Analyze and suggest ideas to increase productivity.

Training:

• Complete annual training assigned by APGFCU's professional development department.
• Attend MACHA (Mid-Atlantic ACH Association) workshops and webinars to remain up to date on evolving payments industry.
• Assist in the training and development of new staff as needed.

Back-up Duties:

• Serves as a backup for other duties within the deposit services department.

Other:

• Perform business continuity procedures as related to assigned duties. This may include working beyond scheduled hours and remotely.
• Perform other related duties as assigned or associated with responsibility.

Additional:

Responsible for completion of applicable training and compliance on federal regulations and APGFCU policies and procedures as related to the duties of this position (Bank Secrecy Act, Information Security as examples, if applicable).

Qualifications:

Education:

Associates Degree in Business or related fields or additional specialized training equivalent to two years college, experience can be credited in lieu of education.

Experience:

Three to five years financial institution experience in deposit operations, including check processing, ACH transmissions, and credit union services.

Knowledge, Skills, and Abilities:

Knowledge of financial regulations and practices concerning ACH transmissions, check encoding/processing and saving functions. Good verbal communication, interpersonal, organization, research, problem solving, time management, personal computer skills; ability to prioritize and meet deadlines. Must be numbers and detail oriented and have ability to multi-task.

Compensation:

$40,700 - $65,100 annually

Offers are based on experience and education.

APGFCU provides comprehensive benefits such as medical and dental (shared expense), vision, 401(k), life and disability insurance, flexible spending account, employee assistance program, referral program, educational assistance, holidays, annual leave and sick leave.

PHYSICAL DEMAND:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is regularly required to stand; walk; use hands to finger, handle, or feel objects, tools, or controls; and talk or hear. The employee frequently is required to reach with hands and arms. The employee is occasionally required to stoop, kneel, or crouch. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities by this job include vision, distance vision, color vision, peripheral vision, depth perception and the ability to focus.

APGFCU is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability to Protected Veteran status. Please use the attached link to view the EEO law poster

APGFCU is committed to working with and providing reasonable accommodations to persons of all abilities, including persons with disabilities. If you need a reasonable accommodation for any part of the employment process, please send to the Human Resources Department and let us know the nature of your request and your contact information. Reasonable accommodations are considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodations will be responded to from this e-mail address.

APGFCU participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. You can view the details by clicking here or returning to the careers homepage.

APGFCU participa en E-Verify y proporcionara al gobierno federal la informacion de su Formulario I-9 para confirmar que usted esta autorizado para trabajar en los EE.UU.. Puede ver los detalles haciendo clic aqui o regresando a la pagina de inicio de carreras profesionales.