Applies advanced knowledge of policies, processes, industry practices, and systems to process payments received through various payment systems.
Reviews moderately complex account transactions for exceptions processing and follows documented procedures to help determine appropriate actions for bank-to-bank adjustments and/or member requested changes in accordance with regulatory guidelines.
Serves as a first line of defense for fraud or suspicious transaction activities for all monetary to include Zelle, ACH, wires, deposits, paper and electronic payment transactions; submits Fraud Referral and/or notifies process owner when suspicious transactions are detected.
As an end-user, escalates and reports issues or system defects as appropriate.
Occasionally, might communicate with Federal Reserve, NACHA, and other financial or governing institutions for research and resolution through various channels.
Escalates any observed risks associated with business activities to ensure they are in accordance with risk and compliance policies and procedures.
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2 years of experience in bank payments processing including all of the following: exceptions processing, bank to bank adjustments, ACH / wires, and research and resolution for member accounts.
Proficient knowledge of the monetary flow of banking transactions to include general ledger exceptions and outages.
Experience working with external regulating institutions and other banks to decision necessary monetary adjustments.
Moderate knowledge of ACH, reg E, reg Z, bank adjustment, and other relevant payments processing regulations.
Demonstrated experience using payments processing software and applications such as FIS, FISERV, Deposit Exceptions applications, Pep+, etc.
Proficient knowledge of Microsoft Office applications.
Benefit packages for this role will start on the 31st day of employment and include medical, dental, and vision insurance, as well as HSA, FSA, and DCFSA account options, and 401k retirement account access with employer matching. Employees in this role are also entitled to paid sick leave and/or other paid time off as provided by applicable law.