Sr. Specialist, ACH Operations - Omaha, NE

Fnbo---First-National-Bank-of-Omaha-1; Omaha (NE); On-site; USD 37,000 - 60,000; Full time

Benefits offered by this job

Medical Insurance

401k with matching

Time Off

Job summary

First National Bank of Omaha seeks an ACH Processor to handle end-to-end ACH and Zelle processing, balancing, and dispute research within NACHA guidelines. The role emphasizes regulatory compliance and collaboration with Treasury, Relationship Management, and Customer Service teams.

The ideal candidate has a high school diploma, strong numerical aptitude, excellent communication skills, and the ability to work onsite in Omaha. Proficiency with Microsoft Office and banking operations is preferred.

Qualifications

• High school diploma or GED required with proficiency in Microsoft Office.
• Strong numerical aptitude with attention to detail and accuracy in multi‑tasking.
• Demonstrated analytical and problem-solving skills with ability to research and draw conclusions.
• Excellent verbal and written communication skills for internal and external interactions.
• Adaptable team player able to work independently amid evolving procedures and regulations.
• Customer-focused mindset and commitment to financial compliance.

Responsibilities

• Process ACH transactions and balance files in accordance with NACHA rules and timelines.
• Balance daily ACH processing windows and handle return items with precision.
• Research and resolve disputes and inquiries within regulatory timeframes.
• Coordinate with Treasury, Relationship Management and customers; provide timely status updates.
• Maintain accurate case notes and ensure compliance with required timelines and documentation.

Skills

Numerical aptitude

Attention to detail

Analytical/problem solving

Verbal/written communication

Adaptable/team player

Customer-focused mindset

Education

High school diploma or GED

Tools

Microsoft Office

Job description

At FNBO, our employees are the heart of our story—and we’re committed to their success! Please see below the details of this career opportunity and how it fits into our organization’s success.Summary of the Job:This position involves comprehensive processing of all aspects of Automated Clearing House (ACH) transactions. This includes the processing and balancing files through multiple transmissions and settlement window deadlines throughout the day, strictly adhering to NACHA procedures. The role also executes system macros for balancing and managing approvals for account exposure pledge failures. They also complete ACH and Zelle disputes accurately within regulatory timeframes by conducting thorough research, reconciliation, and customer response.In alignment with our continuous improvement principles, this role also participates in team huddles, and problem-solving activities, to address bottlenecks or process issues and implement improvements. This role is responsible for balancing return items against internal reports, communicating with stakeholders, providing RPA failure analysis support, and contributing to departmental customer satisfaction while maintaining unwavering regulatory compliance.We are considering all current and former CCB candidates, as well as candidates currently residing in Omaha.About This Role:Key ResponsibilitiesTransaction Processing and ComplianceProcess ACH return items in accordance with NACHA Rules and Guidelines, departmental procedures, contracted service level agreements, and system timelinesBalance incoming Federal Reserve return items against PEP+ outputs with precisionProcess outgoing ACH return items from Bookkeeping department within established deadlinesIdentify and escalate complex issues/concerns to Treasury Services, Relationship ManagementResearch and resolve unresolved return and exception items by defined completion timelinesCollect, prepare, and distribute return advices following established procedures and timelinesPerform comprehensive end-of-day balancing for all daily return item processingManage proof of authorization requests by entering case details into TRIPS application, communicating with originators to obtain documentation, validating received authorization copies for accuracy and compliance, and providing timely responses to receiving financial institutions—all while adhering to the mandatory 10-day NACHA response windowACH File ManagementSchedule and monitor ACH files for PEP+ processing windows with accuracy, ensuring timely processing through all settlement windowsImplement comprehensive exception handling procedures for problematic files, including identification, troubleshooting, and resolution of corrupted or incorrectly formatted submissionsMonitor for and investigate duplicate file submissions, implementing verification protocols to prevent double processing while ensuring legitimate files are processed appropriatelyIdentify and resolve processing issues including suspended files, dropped batches, rejected items, and failed transmissions through root cause analysisMake appropriate modifications to PEP+ when necessary, including format corrections and parameter adjustments to facilitate successful processingCoordinate with multiple stakeholders regarding file issues, including direct communication with Relationship Managers, Customer Care representatives, Treasury Support teams, and originating customersProvide timely status updates and resolution paths for file exceptions to all relevant parties, ensuring transparency throughout the remediation processBalance and reconcile ACH processing windows throughout daily operations, ensuring accurate settlement and postingDocument all file exceptions for trending analysis and process improvement opportunitiesDispute ManagementProcess ACH disputes in compliance with Regulation E requirements and NACHA Rules, ensuring proper investigation and resolution timelinesManage Zelle disputes through multiple integrated platforms:Utilize Compass for transaction research and verificationProcess cases within TRIPS platform for dispute tracking and resolutionDocument case details in the Dispute Portal for compliance and audit purposesAccess Client Central for network-related dispute information and resolutionsEnsure all dispute documentation meets regulatory requirements and internal standardsMaintain accurate case notes and adhere to Regulation E timelines for provisional credits and final resolutionCustomer Service and Issue ResolutionProvide responsive customer support via phone and email, addressing inquiries with professionalism and accuracy while serving as a primary point of contact for ACH-related mattersResearch and resolve customer inquiries related to originated and/or received ACH items with appropriate urgencyInterface directly with Customer Service, Treasury Support, and customers regarding dispute questions, transaction research requests, and file processing inquiriesAssist non-FNBO customers who contact the bank regarding charges on their accounts at other institutions that were processed by FNBO customersCollaborate with other financial institutions to resolve Proof of Authorization requests, dispute-related items, and transaction research needsFacilitate fraud recovery efforts through proper handling of Letters of Indemnity and Hold Harmless Letters in partnership with external financial institutionsSupport supervisor and/or manager with end-of-month volume statistics for billing and reporting by designated deadlinesProfessional Development and ComplianceParticipate in cross-training initiatives to develop competency and provide effective backups for alldepartmental functionsUnderstand and adhere to all bank policies, laws, and regulations applicable to the roleComplete required compliance training and follow internal processes and controlsReport compliance issues or violations according to FNBO Compliance Accountability Program proceduresMaintain professional behavior, foster positive working relationships, and demonstrate reliable attendanceThe Ideal Candidate for This Role:The Ideal Candidate for This Role... (education, experience, desired skills, other requirements)QualificationsRequired:High school diploma or GED with proficiency in Microsoft Office suite and strong numerical aptitudeExceptional attention to detail with proven ability to maintain accuracy while efficiently handling multiple prioritiesStrong analytical and problem-solving skills with ability to research, gather facts, and draw valid conclusionsExcellent verbal and written communication skills for effective internal and external interactionsAdaptable team player with ability to work independently and adjust to evolving procedures/regulationsCustomer-focused mindset with strong ethical standards and commitment to financial complianceWe are considering all current and former CCB candidates, as well as candidates currently residing in Omaha.Desired:Previous customer service experience in a financial environment preferredKnowledge of banking systems and financial processing platforms preferredExperience with ACH processing or banking operations beneficialAccredited ACH Professional (AAP) or Accredited Payments Risk Professional (APRP)Compensation:Compensation range (base pay): $37,454.00-$59,927.00This role may have a specific starting pay within this range.Final compensation offer to candidate may vary from posted hiring range based upon work experience, education, and/or skill level.Work Environment:It is anticipated that the incumbent in this role will work onsite at the posted location. Our onsite environment fosters innovation, mentorship, and a vibrant culture where ideas flow freely and relationships flourish. As part of our team, you'll experience the energy of our collaborative spaces designed to support your professional growth while working alongside talented colleagues who inspire excellence daily. Please note that work location is subject to change based on business needs.Benefits Overview:We offer a variety of benefits designed to keep you and your family physically and financially healthy. Not only do we offer a competitive salary and work-life balance, we offer benefits to match your needs:Medical, Dental, Vision Insurance401k, With Matching ContributionsTime Off ProgramsHealth Savings Account (HSA)/Dependent CareEmployee BankingGrowth OpportunitiesTuition AssistanceShort-Term/Long-Term Disability InsuranceLearn more about FNBO benefits here: https://www.fnbo.com/careers/benefits/ .For additional information regarding compensation and benefits, e-mail FNBO at [e-mail] . To ensure you receive a response, include the number of this job (listed below) in the subject line of your message.Job number: R-20261851Equal Opportunity & Belonging:FNBO believes that the quality of our employee experience is at the heart of our customer experience. One key pillar of our intended employee experience is Belonging. Belonging means we are committed to fostering a workplace culture where employees of all backgrounds feel valued, recognized, and empowered to be their authentic selves—no matter their role or where they are in their journey.Learn more here.FNBO is an equal opportunity employer for all employees and applicants and makes employment decisions without regard to status or identity.Click here to download 'EEO is The Law' Self-Print PosterClick here to download 'EEO is The Law' Supplement for Federal ContractorsClick here to download 'EEO is The Law' GINA SupplementFNBO is an Equal Opportunity/Affirmative Action/Veterans/Disability Employer - Member FDICFNBO follows federal law regarding the use of marijuana (this applies to all non-California applicants)Application Deadline:All our jobs will be posted for a minimum of 5 calendar days. Job postings may come down prior to 5 calendar days based on volume of applicants.