POSITION SUMMARY
Responsible for the accurate, timely, and compliant processing of Automated Clearing House (ACH) transactions and overdraft-related activities. Supports daily payment operations, exception processing, account research, member service, and risk mitigation while ensuring adherence to applicable regulations, NACHA rules, credit union policies, and service standards. Works closely with internal departments, branches, and external partners to resolve issues, reduce losses, and maintain operational efficiency.
RESPONSIBILITIES AND DUTIES
- Process incoming and outgoing ACH files, including postings, balancing, reconciliations, and settlement verification.
- Review, research, and resolve ACH exceptions, returns, reversals, Notifications of Change (NOCs), stop payments, unauthorized transactions, and disputes within required timeframes.
- Monitor overdraft activity, review non-sufficient funds and negative balance reports, and complete assigned overdraft processing functions according to policy.
- Research and resolve member account discrepancies, payment issues, and operational inquiries related to ACH and overdraft activity.
- Prepare and process charge-offs, adjustments, fee assessments, refunds, and other account maintenance items as applicable.
- Process and/or Approve ACH Originations in third-party portal.
- Complete monthly ACH reporting.
- Process ACH Stop Payment requests.
- Process Written Statement of authorization requests.
- Process all Cashier’s check indemnifications for the CU.
- Identify suspicious, fraudulent, or high-risk transactions and escalate concerns to management, fraud, or compliance teams as appropriate.
- Maintain accurate records, logs, reports, and supporting documentation for operational, audit, and regulatory purposes.
- Ensure compliance with NACHA rules, Regulation E, Bank Secrecy Act requirements, internal controls, and established procedures.
- Assist branches, call center staff, and internal departments with ACH and overdraft-related questions, research, and issue resolution.
- Support audits, examinations, and periodic reviews by gathering documentation and responding to requests in a timely manner.
- Participate in testing, training, procedural updates, and process improvement efforts related to payment operations and deposit account services.
- Perform other related duties as assigned.
QUALIFICATIONS
Education:
High school graduate or equivalent
Experience:
- Minimum of 1-3 years of experience working with deposit operations or in a related financial services role
- Experience in managing financial accounts, regulatory compliance, and reporting
Skills and Abilities:
- Proficiency in banking software and Microsoft Office Suite (Excel, Word, Outlook)
- Excellent attention to detail and problem-solving skills
- Strong organizational and time management abilities
- Effective communication and customer service skills
- Ability to work efficiently and manage multiple tasks in a fast-paced, deadline-driven environment
- Alignment in supporting the Everence mission of empowering financial well-being for faith-inspired living
SUPERVISORY RESPONSIBILITIES: None
SCHEDULE: Full-time
Skills Required
- High school diploma or equivalent
- 1-3 years of experience in deposit operations or a related financial services role
- Experience managing financial accounts, regulatory compliance, and reporting
- Proficiency in banking software and Microsoft Office Suite, including Excel, Word, and Outlook
- Excellent attention to detail and problem-solving skills
- Strong organizational and time management abilities
- Effective communication and customer service skills
- Ability to manage multiple tasks in a fast-paced, deadline-driven environment
- Alignment with the Everence mission of empowering financial well-being for faith-inspired living
What We Do
Everence is a faith-based, member-owned financial services organization with Anabaptist roots. It helps individuals, organizations and congregations integrate finances with faith through a national team of professionals. Its offerings include banking, insurance, investments, asset management and financial planning, alongside community benefits and stewardship education. The organization aims to help customers align money decisions with their faith and values in everyday financial life.
