Check Payments Specialist

Posted 18 Days Ago
Be an Early Applicant
Fargo, ND, USA
In-Office
Junior
Insurance • Financial Services
The Role
Processes returned checks, non-posted items, chargebacks, NSF notices, check adjustments, disputes, account corrections, copy requests, and check retention. Balances daily transactions, resolves discrepancies, supports customer and internal research, manages supplies and procedures, coordinates with vendors, and contributes subject matter expertise to projects and workflow improvements while maintaining compliance and service standards.
Summary Generated by Built In
Job Summary & ResponsibilitiesThis position is responsible for Day 2 functions of check operations processing, including, but not limited to, the daily processing of all returned items, returned deposited items, resolving non-posted items, check adjustments, research/copy retrieval request completion, check retention and other storage management, check disputes, POD variance resolution, and other functions as assigned to check processing.
Responsibilities
  • Process non-posted items from previous day’s posting and complete process to post correctly to customer and internal accounts in a timely manner.
  • Validate electronic submission of NSF and other return items to meet the required 24-hour requirement.
  • Process incoming returned deposited items and charge back to appropriate account in a timely manner.
  • Ensure NSF and chargeback notices are processed accurately and in a timely manner.
  • Balance returned item and chargeback information daily.
  • Provide photocopies of items, transactions and statements for customers and business partners upon request.
  • Research customer and internal requests for posting or transaction information, or for corrections.
  • Research and adjust any cash letter discrepancies using Check 21 adjustments processes.
  • Research and adjust any errors on customer accounts in a timely manner.
  • Process the notice generation and mailing of customer proof corrections in a timely manner.
  • Handle on-us check retention according to Bell Bank retention policy.
  • Monitor department supplies inventory and ensure proper supplies are obtained in a timely manner.
  • Provide subject matter expertise for company projects.
  • Ensure functional procedures are current and up-to-date compared to daily processes.
  • Resolve processing issues by contacting appropriate vendors when necessary to maintain timelines.
  • Participate in project meetings and work on assigned projects.
  • Provide courteous, accurate, and prompt assistance to coworkers or customers regarding their accounts.
  • Follow established policies and procedures, accurately and efficiently to meet team quality standards.
  • Continually review daily workflow looking for improvements in production processing.
  • Analyze and resolve technical problems quickly in a demanding environment while working with minimal supervision.
  • Re-scan rejected items as needed for job balancing.

Bell Bank Culture, Policy and Accountability Standards
  • Know and live Bell Bank’s values, bottom line, customer service standards, Golden Rules, and LOCBUTN by building personal connections with customers and employees and using their names as often as possible.
  • Conduct activities consistent with established Bell Bank policies, procedures and systems, the Code of Conduct, the Bank Secrecy Act and all applicable state and federal laws and regulations.
  • All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
  • Prompt and reliable attendance.
  • Perform other duties as assigned.

Education, Experience, and Other Expectations
  • Associate’s Degree in accounting or business.
  • 0-2 years of experience in bank operations or check processing preferred.
  • Work flexible hours to support the department needs to include after hours and weekends, if necessary.

Knowledge, Skills, and Abilities
  • Excellent verbal and written communication skills.
  • Strong organizational, research, analytical and problem-solving skills.
  • Ability to multi-task and meet specific deadlines in a fast-paced environment
  • Knowledge of and proficiency in using personal computers and related software programs including, but not limited to, Windows and Microsoft Office.

Skills Required

  • Associate's degree in accounting or business
  • 0-2 years of experience in bank operations or check processing
  • Ability to work flexible hours, including after-hours and weekends when necessary
  • Excellent verbal and written communication skills
  • Strong organizational, research, analytical, and problem-solving skills
  • Ability to multitask and meet deadlines in a fast-paced environment
  • Proficiency using personal computers, Windows, and Microsoft Office

Bell Bank Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Bell Bank and has not been reviewed or approved by Bell Bank.

  • Strong & Reliable Incentives — Bonuses and performance incentives are a recurring component of pay, including in some frontline and part-time roles. Variable pay appears to augment base salaries across multiple job families.
  • Equity Value & Accessibility — An employee stock ownership plan is highlighted alongside profit sharing, giving employees accessible ownership participation. This structure can add long-term value beyond base pay.
  • Leave & Time Off Breadth — Paid vacation and holidays, bereavement leave, and paid volunteer hours are included. Parental leave options (maternity, paternity, adoption) further broaden time-off coverage.

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The Company
HQ: Fargo, ND
977 Employees
Year Founded: 1966

What We Do

People matter at Bell Bank – and it shows in how our team members treat each other, our customers and those around us. As members of the Bell Bank family, we provide unequaled personal service, working in the best interest of those we serve. Our award-winning workplace promotes success, recognizes achievement – and offers an environment focused on having fun while helping others. At Bell, we build careers. We build community. We positively impact lives around us. Employees are actively encouraged to volunteer (receiving 16 hours of paid volunteer time annually), and our unique Pay It Forward initiative has empowered more than $17 million in employee giving to people and causes we care about. Founded in 1966 and headquartered in Fargo, North Dakota, Bell has grown to become one of the nation’s largest independently owned banks. A family- and employee-owned company, Bell has full-service bank locations in North Dakota, Minnesota, and Arizona and mortgage offices in multiple states. Bell Bank is a Member FDIC, Equal Employment Opportunity Employer and an Equal Housing Lender (we lend without regard to race, color, religion, national origin, sex, handicap or familial status). Investment and wealth management services are not FDIC insured, have no bank guarantee, may lose value, not a deposit and not insured by any federal government agency.

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