Wire Transfers/ACH Specialist

Smbonline; Carthage (MO); On-site; USD 42,000 - 64,000; Full time

Job summary

The bank seeks a specialist to oversee daily wire, EFT, and ACH operations, ensuring adherence to policy and regulations. You will analyze and reconcile external accounts to optimize liquidity and earnings, and maintain confidential reports.

Responsibilities include training staff, processing wires, applying NACHA rules, handling ACH disputes, monitoring credits, ensuring policy compliance, cross-training, and assisting with cross-selling bank products.

Qualifications

• High school diploma or equivalent is required.
• Minimum of 3 years banking experience.
• Strong customer service and communication skills.

Responsibilities

• Oversees daily wire, EFT, and ACH operations per policy and regulations.
• Provide account analysis and reconcile external accounts for liquidity.
• Prepare, maintain, and process confidential records and reports.
• Train employees in wire functions and meet deadlines.
• Process outgoing and incoming wires; apply NACHA rules to ACH.
• Handle ACH disputes, returns, prenotes, and OFAC checks.
• Monitor ACH credits and ensure compliance with policies.
• Cross train to support other bank functions as needed.
• Identify cross-selling opportunities and support customer needs.

Skills

Excellent Customer Service

Professional Communication

Multi-task / Detail Oriented

Wire Transfers Knowledge

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.

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.