Wire Transfers/ACH Specialist

Southwest Missouri Bank; Carthage (MO); On-site; USD 42,000 - 62,000; Full time

Job summary

Southwest Missouri Bank seeks a Banking Operations professional to oversee daily wire, EFT, and ACH operations, ensuring compliance with bank policy and regulations. You will analyze external accounts, support liquidity, and prepare confidential records and reports.

The role requires 3+ years banking experience, proficiency with Jack Henry software, and strong customer service skills. Expect coordination with internal teams and ongoing process improvements.

Qualifications

• Minimum 3 years banking experience.
• High school diploma or equivalent required.
• Knowledge of wire transfers and ACH processes.
• Strong communication and customer service abilities.
• Proficient with Jack Henry software and Microsoft Office.

Responsibilities

• Provide quality customer service to internal and external customers.
• Schedule and train employees in wire functions and meet deadlines.
• Understand Reserve Requirements and correspondent bank analysis.
• Submit wire transfers via DirectLine and notify customers.
• Process incoming wires and respond to customer instructions.
• Apply NACHA rules to all ACH transactions.
• Process ACH disputes, returns, prenotes, and OFAC checks.
• Process outgoing ACH payments for the bank.
• Monitor ACH credits and detect potential fraud.
• Exercise good judgment per bank policies and procedures.
• Cross-train to support other areas as needed.
• Identify opportunities to cross-sell bank products and services.
• Review documentation for regulatory compliance.
• Maintain confidential records and reports.
• Prepare and reconcile external accounts for liquidity and earnings.
• Perform additional duties as assigned.

Skills

Customer service

Communication

Detail oriented

Wire transfers

Microsoft Office & Jack Henry

Education

High school diploma or equivalent

Tools

Jack Henry software

Microsoft Office

Job description

Job Summary

Oversees daily wire, EFT, and ACH operations for the bank in accordance with bank policy and applicable regulations. Provide account analysis/reconcilement of our external accounts for liquidity and maximizing potential earnings. Prepare, maintain, and process confidential records and reports.

Job Summary

Oversees daily wire, EFT, and ACH operations for the bank in accordance with bank policy and applicable regulations. Provide account analysis/reconcilement of our external accounts for liquidity and maximizing potential earnings. Prepare, maintain, and process confidential records and reports.

Essential Functions

• Provide quality customer service to both internal and external customers.
• Schedule and train employees in wire functions. Meet required deadlines to optimize customer service.
• Knowledgeable about the bank's Reserve Requirement, correspondent bank account analysis, service charges and all related reporting.
• Submit wire transfers via DirectLine wires. Process incoming wires and notify customers according to their instructions.
• Understand and use the NACHA rules for all ACH transactions.
• Process ACH Disputes, ACH returns, ACH prenotes and possible OFAC hits on all ACH.
• Process outgoing ACH for the bank in a timely manner.
• Monitoring ACH credits received for initiation under false pretenses.
• Demonstrate good judgement when processing work in accordance with bank policies and procedures.
• Review documentation for compliance with policies and regulatory requirements.
• Cross train to serve in other areas as needed.
• Recognize opportunities to cross sell bank products and services.
• Perform additional duties as assigned by supervisor relating to the bank and its functions.

Skills/Abilities Requirements

• Excellent Customer Service Skills
• Professional Communication Skills
• Multi-task/Detail Oriented
• Knowledgeable of wire transfers and Jack Henry software
• Proficient in Microsoft Office and Jack Henry products

Education And Experience

• High school diploma or equivalent required
• Minimum of 3 years of banking experience

Physical Requirements

• Must be able to sit for extended periods of time, bend, twist, view and use a computer, and telephone with an earpiece or headset.
• Must be able to lift up to 15 lbs. at times.