Operations Processor - ACH

Operations Processor

At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel atall from Day One.

The Operations Processor is responsible for researching, investigating, and resolving ACH fraud and dispute cases involving unauthorized, disputed, or erroneous account activity. This individual will independently manage a daily queue of ACH cases, which may include unauthorized transactions, duplicate charges, billing disputes, and other ACH-related claims. This team collaborates with internal bankers and representatives to obtain information and resolve cases. This is a multifaceted, production-focused role requiring a high level of accuracy, attention to detail, adaptability, and effective workload prioritization. The successful candidate will take initiative, work independently, and learn new or changing claim-processing procedures as business and regulatory requirements evolve.

This role requires working from the posted U.S. Bank location three (3) or more days per week.

Key Responsibilities:

• Manage a daily queue of ACH fraud and dispute cases.
• Research, investigate, validate, and resolve unauthorized, disputed, or erroneous ACH transactions.
• Review incoming claims and supporting information for completeness and accuracy.
• Conduct transaction research and internal investigations to determine the appropriate case disposition.
• Process provisional or final credits based on investigation results and applicable requirements.
• Collaborate with internal bankers and representatives to gather information and resolve cases.
• Prioritize assignments and manage case queues to meet applicable Regulation E deadlines.

Basic Qualifications - High school diploma or equivalent - Four years or more of operations services related work experience

Preferred Skills/Experience - Regulation E knowledge is beneficial but not required; training can be provided

- Strong prioritization and time-management skills, particularly when managing regulatory deadlines

- Strong attention to detail and commitment to producing accurate work

- Ability to work effectively with internal partners and contribute as a collaborative team member - Good time management skills to maximize production and execution of tasks in a fast-paced environment - Adaptability and willingness to learn as regulations, processes, and procedures change

If there's anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

• Healthcare (medical, dental, vision)
• Basic term and optional term life insurance
• Short-term and long-term disability
• Pregnancy disability and parental leave
• 401(k) and employer-funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

Pay Range: $21.25 - $28.32