ACH Share Draft Representative

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

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401(k)

Life insurance

Disability insurance

Flexible spending account

Employee assistance program

Referral program

Educational assistance

Holidays

Job summary

APG Federal Credit Union is seeking an ACH Share Draft Representative in Edgewood, MD. The role focuses on ACH processing, share draft operations, and reconciliation while ensuring NACHA and Federal Reserve compliance.

You will support colleagues across departments, handle exceptions, and contribute to process improvements in a hybrid work environment.

Qualifications

• Associates degree in Business or related field or equivalent training.
• Three to five years financial institution experience in deposit operations.
• Knowledge of NACHA rules and Federal Reserve regulations applicable to duties.

Responsibilities

• Coordinate ACH and share draft processing, balancing and settlement.
• Process ACH files with multiple software applications ensuring deadlines.
• Data entry and validation of ACH originations for members.
• Handle exceptions such as DNEs, reclamations, disputes, stop payments and returns.
• Support other departments and contribute to process improvements.

Skills

Verbal communication

Interpersonal skills

Organization

Research

Problem solving

Time management

PC skills

Teamwork

Education

Associate degree in Business or related field

Tools

Microsoft Office

Job description

## ACH Share Draft RepresentativeApplyremote type: Hybridlocations: Edgewood, Marylandtime type: Full timeposted on: Posted Todayjob requisition id: JR100155**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 annuallyOffers 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*http://www1.eeoc.gov/employers/poster.cfmAPGFCU 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.