Digital Banking & ACH Operations Specialist

Exchange Bank; Santa Rosa, Northern (CA, KY); Hybrid; USD 30,000 - 39,000; Full time

Benefits offered by this job

Health, dental, and vision insurance

Retirement plan options

Paid time off and sick leave

Free checking and discounts on banking

Job summary

Exchange Bank in Santa Rosa, CA is seeking an Electronic Banking Operations Specialist to manage ACH, debit card, online banking, RDC, P2P, and related products. This is a full-time, 40-hour/week position at 8:30am–5:30pm, Monday–Friday, with schedule flexibility based on business needs.

The role emphasizes processing and risk controls, including fraud monitoring, disputes handling, ACH file processing, balancing, and coordination with vendors to ensure accuracy and customer satisfaction.

Qualifications

• Knowledge of core banking system applications.
• Knowledge of item processing practices.
• Knowledge of ACH procedures and practices.
• Ability to work in teams or independently without supervision and handle multiply priorities.
• Must be a highly flexible self-starter with leadership and creative problem-solving skills.

Responsibilities

• Review daily debit card reports and identify fraud trends.
• Assess debit card, ACH and Zelle disputes per regulations and network rules.
• Initiate chargeback process through vendor network and manage funds transfers.
• Respond to inquiries regarding Digital Channels and Products and aid in resolution.
• Process debit card return mail and forward cards as needed.
• Perform departmental certifications of control accounts.

Skills

Core banking systems

ACH procedures

Fraud trend analysis

Dispute resolution

Teamwork

Education

High school diploma or equivalent

Tools

Core banking software

ACH processing tools

Job description

Exchange Bank in Santa Rosa, CA is seeking an Electronic Banking Operations Specialist to manage ACH, debit card, online banking, RDC, P2P, and related products. This is a full-time, 40-hour/week position at 8:30am–5:30pm, Monday–Friday, with schedule flexibility based on business needs.

The role emphasizes processing and risk controls, including fraud monitoring, disputes handling, ACH file processing, balancing, and coordination with vendors to ensure accuracy and customer satisfaction.