Operations Specialist - Wires

American Bank & Trust - South Dakota; Sioux Falls (SD); On-site; USD 58,000 - 78,000; Full time

Job summary

American Bank & Trust - South Dakota is seeking a skilled operations professional to manage wire transfers, cash letters, ACH and related processing with accuracy and regulatory awareness.

You will monitor queues, resolve exceptions, assist customers, and contribute to risk mitigation while supporting branch staff and internal teams. Experience in financial operations and compliance is essential.

Qualifications

• Bachelor's degree in Business or Finance or equivalent experience.
• AAP certification is preferred; willingness to pursue is encouraged.
• Minimum 2 years of operations experience in a financial institution.

Responsibilities

• Process domestic and international wire transfers accurately within deadlines.
• Monitor wire queues, investigations, and resolve exceptions promptly.
• Process cash letters, ACH, garnishments, IRAs, and related requests.
• Address non-post items, stop payments, and NSF items daily.
• Quality control for new and existing accounts to ensure compliance.
• Handle EFT disputes and debit card support for branches.
• Assist customers with inquiries and problem solving with excellent service.
• Identify process improvements and potential risk areas.
• Assist in projects, documentation, and training; stay aware of regulatory changes.

Skills

Wire transfers

Bank operations

Customer service

Regulatory compliance

Education

Bachelor's degree in Business or Finance

AAP certification preferred

Job description

PRIMARY RESPONSIBILITIES AND ACCOUNTABILITIES:

• Process domestic and international incoming and outgoing wire transfers accurately and within established deadlines, including reviewing payment instructions, validating required approvals, confirming available funds, and completing applicable verification and security procedures.
• Monitor wire queues, exceptions, confirmations, and settlement activity; research and resolve rejected, delayed, duplicate, or otherwise unusual wire transactions and promptly elevate potential fraud, sanctions, or compliance concerns.
• Accurately process cash letters, teller source capture, ACH, garnishments/levies, IRAs, and maintenance requests for deposit-related areas.
• Responsible for monitoring and addressing non-post, exception processing, stop payments, or NSF items daily.
• Quality control for new and existing accounts to ensure adherence to regulations, policies, and procedures.
• Process EFT disputes, provide debit card support to branch staff, and perform card maintenance.
• Assist internal customers with inquiries and troubleshooting to find solutions while providing exceptional customer service.
• Identify areas of process improvements or areas of risk and provide potential solutions.
• Assists with various projects and activities of the bank. Assists in developing related documentation and training.
• Maintain up to date knowledge of regulatory changes and ensure compliance with applicable laws and internal policies.

SECONDARY RESPONSIBILITIES AND ACCOUNTABILITIES:

• Develop relationships with all bank employees to enhance network and to increase awareness of new services/opportunities.
• Represents Bank at various civic and community events.
• Adhere to compliance procedures and participate in required training.
• Other duties may be assigned.

TEAM/COMMITTEE ASSIGNMENTS:

• TBD

ROLE QUALIFICATIONS:

Education

• Bachelor's degree in Business or Finance, or equivalent combination of education and experience
• AAP (Accredited ACH Professional) certification preferred; willingness to pursue certification is encouraged.

Experience

• Minimum 2 years of operations experience within a financial institution environment preferred; experience processing wire transfers or other high-risk payment transactions is strongly preferred.

Other Skills And Abilities

• Strong communication skills, both written and verbal
• Ability to interact with customers and employees with tact, diplomacy and confidentiality
• Resourceful, well organized and ability to multi-task
• Effective problem solving and decision-making skills
• Strong attention to detail
• Ability to interpret wire instructions, apply dual-control and verification procedures, meet payment cutoff times, and identify unusual or potentially fraudulent activity.
• Maintain confidentiality of customer information
• Strong ethical focus

PERFORMANCE MEASURES:

• Meets or exceeds annual goals as pre-established by the CEO that are aligned with the strategic plan
• Meets or exceeds budgeted key metrics
• Compliance with regulatory requirements

WORKING CONDITIONS:

Work is performed largely within the Bank with limited chance for personal injury. Prolonged and frequent mental and visual concentration required. Periodic stressful situations in response to multiple priorities within established deadlines. Work hours are generally during normal business hours. Unscheduled evening and weekend work may be needed to meet the needs of customers and employees. Out-of-town and overnight business travel will be required. Work on some Saturdays may be required. Must be able to lift and move up to 20 pounds of office supplies and equipment. Some bending, turning, and twisting required.

GENERAL NOTICE:

This position description describes the general nature and level of work performed by the employee assigned to this position and should not be interpreted as all inclusive. It does not state or imply that these are the only duties and responsibilities assigned to the position. The employee may be required to perform other job-related duties. All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.

This position description does not constitute an employment agreement between the Bank and employee and is subject to change by the employer as the needs of the Bank and requirements of the position change.