ACH/Wire Specialist

General Electric Credit Union; Cincinnati (OH); On-site; USD 30,000 - 39,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Life and Disability insurance

401k retirement plan with company mix

Paid Time Off

Tuition reimbursement

Volunteer PTO hours

On-site clinic

Job summary

The ACH/Wire Specialist at General Electric Credit Union in Cincinnati, OH leads high‑risk daily operations for ACH processing, inclearing, returned items, and wire transfers. The role ensures accurate, timely electronic payments while complying with NACHA and banking regulations and supporting internal teams with expert knowledge.

You will provide exceptional member service, resolve issues, assist with audits and risk assessments, and collaborate across departments to maintain robust control

Qualifications

• High school diploma or GED required.
• 2+ years of banking experience.
• NACHA certification or relevant industry cert preferred.
• Knowledge of ACH and wire transfer systems and rules.
• Strong attention to detail and multitasking.
• Excellent communication and customer service skills.
• Discretion with confidential financial information.

Responsibilities

• Process ACH and wire transfers per NACHA rules.
• Manage inclearing and return deposit items per policies.
• Support the Courtesy Overdraft program.
• Follow Bank Secrecy Act, OFAC, NACHA Rules, Regulation E.
• Investigate and resolve issues with ACH/wire transactions.
• Assist management with audits, risk assessments, policy updates.
• Provide exceptional member service and respond to inquiries.
• Collaborate with internal teams as needed.

Skills

ACH knowledge

Wire transfer knowledge

Attention to detail

Communication skills

Customer service

MS Office (Word, Excel)

Discretion/confidentiality

Education

High school diploma or GED

NACHA certification

Tools

DNA system

Job description

ACH/Wire Specialist

General Electric Credit Union is a not-for-profit, member-owned full service financial institution headquartered in Cincinnati with branches in Ohio and Kentucky. At GECU, we pride ourselves on maintaining quality service, being an employee-friendly workplace, and developing our team members while teaching you the skills to lead you to career advancement opportunities.

Overview

The ACH/Wire Specialist is responsible for the high risk and critical daily operations of processing ACH (Automated Clearing House), inclearing files, return deposit items, originated returns, and wire transfer transactions accurately and efficiently. This role ensures the timely and secure execution of electronic payments, maintains compliance with banking regulations, and resolves any issues related to these transactions. The specialist will also provide excellent member service, respond to inquiries, and support internal teams regarding ACH and wire transfer operations.

Essential Responsibilities

• Ensure that all critical functions related to ACH and wire transfers are processed in adherence to internal policies, procedures, regulatory requirements including NACHA Operating Rules and Guidelines
• Ensure that all functions related to inclearing and return deposit items are processed in adherence to internal policies, procedures, and regulatory requirements
• Review and adhere to Credit Union policies and procedures
• Support the Courtesy Overdraft program
• Adheres to operational controls including applicable laws, rules, and regulations impacting ACH services and policies such as the Bank Secrecy Act, OFAC, NACHA Rules, Regulation E and Universal Commercial Code to ensure safety and soundness
• Identifies and resolves problems in a timely manner; works with other departments to solve complex issues
• Builds and maintains internal relationships throughout the Credit Union by providing exceptional member service; models excellent internal and external member service
• Assist management with audits, risk assessments, policies, procedures, and processes
• Performs other duties as assigned

Education and Experience

• High school diploma or GED required
• 2+ years of banking experience
• NACHA certification or other relevant industry certifications preferred

Knowledge, Skills, and Abilities

• Knowledge of ACH and wire transfer systems, regulations, and industry best practices
• Strong attention to detail and ability to handle multiple tasks efficiently
• Excellent communication and customer service skills
• Strong analytical and problem-solving abilities
• Knowledge of MS Office, including Word and Excel
• Knowledge of DNA is preferred
• Ability to maintain confidentiality and exercise discretion when handling sensitive financial information
• Must understand and comply with all required federal and state laws and regulations associated with this position

At GECU, we want to support your wellbeing by offering a wide range of benefits:

• Health, Dental and Vision insurance
• Life and Disability insurance options
• Paid Time Off starts accruing once hired and take your birthday off -paid
• 401k Retirement plan with up to a 10% match of your base gross compensation
• Tuition reimbursement opportunities & professional development
• Volunteer opportunities -and earn additional PTO hours!
• On-site clinics for Vaccines and Mammograms

And many more!

Come join GECU as we are a curated culture of respect, understanding, and mutual recognition. We believe forming bonds and connecting with each other only stands to strengthen the service we provide to our members in our mission of improving the Quality of Financial lives!

General Electric Credit Union is an Equal Opportunity Employer