Electronic Payments Specialist, ACH

The principal function of this position is to support the requirements associated with the ACH process. Additional cross training throughout the department to assist as needed in other areas will occur once the principal function has been mastered. ESSENTIAL RESPONSIBILITIES ACH: Establish client setup within Horizon core and with Horizon ACH Monthly ACH Monitor ACH activity for over limit Communicate with Team Leaders, Client Officers, and Cash Management when limits are exceeded. Troubleshoot file issues with FIS and Cash Process ACH client disputes in accordance with Reg E Set up and maintain bank external ACH Pre-Note/NOC Perform incoming ACH transaction Process any ACH returns from daily transaction exception Review all DNE for ACH and return transactions when Process monthly IOLTA ADDITIONAL RESPONSIBILITIES OR DETAILS Debit Card: Process MasterCard Alerts and distribute information to frontline Process FALCON alerts and distribute information to frontline Process debit card disputes in accordance with Reg E Process rejected disputes with FIS for SecurLock Warranty IRS/US Government Compliance: Timely processing of IRS/Government levies including frontline and client Timely processing of B-Notice Act as bank’s year-end coordinator between all areas involved in client tax information Adjust deposit tax forms as needed and file with the File Form 945 with IRS for federal withholding on our Communicate with the IRS verbally, in person or written as On weekly basis make federal tax withholding State Compliance: Timely processing of state levies/garnishments including frontline and client On monthly basis make state tax withholding Wire: Process incoming and outgoing domestic and international wires received across multi-channel communications utilizing multiple wire systems. Process draw down and tax Perform OFAC and Fraud Maintain adequate balances at Federal Reserve for transaction Perform wire callbacks according to client contract and bank Perform wire traces or inquiries as Maintain and update wire callback End of day Create billing setup/email notification within eWire for clients requiring special Transaction item processing exception: Returns Unposted items Posted exceptions Special handling items Perform end of day close out Chargebacks Earns early notifications for large incoming chargeback items Reconciliation of departmental accounts Review of balancing report to clear exception items Review of outstanding items in GLs reconciled by accounting to clear exceptions Report review: Reg D exceptions Account holds and appropriate documentation ATM transaction reports Invalid transfer accounts Mobile Wallet enablement reports and initiate email notification with client Remote capture review for transaction fraud Stop payments for accuracy against documentation processed as well as type of stop File maintenance to include monitoring employee account maintenance change Adjustments: Internal: Interest recalculations IRA, CD, and HSA corrections Clearing House Federal Reserve ATM Print notices and CD interest checks for daily processing Order cash for bank offices via Fedline Daily review official checks (cashier’s checks) for appropriate signer limits Process Deposit and Loan verifications Assist Compliance with subpoenas Daily dormant account review and letter generation Activate dormant accounts from proper authorization Business eBanking: ACH and check positive pay pre-scrub presentation to clients. Process items according to client instruction. Interface with Cash Management team. International: Order foreign currency through correspondent bank Process foreign checks/drafts through correspondent bank Analysis: Analyze address changes based on CIF maintenance for Gather and analyze Deposit Operations monthly metrics On quarterly basis send reconcilement to the File annual state tax withholding Complete other duties as ESSENTIAL SKILLS, EDUCATION AND EXPERIENCE 2-4 years banking or similar Strong computer skills: proficient in Excel and knowledgeable in Good interpersonal skills which represent the Bank in a positive manner in dealing with clients and other team Ability to effectively communicate with the professionalism that is identified with Southern First Ability to adjust to change and willingness to be a team Maintain regular consistent and professional attendance, punctuality and personal WORK CONDITIONS This position must be able to sit for long periods of time as the position involves the majority of time spent at a This position requires little to no This description is not intended to be construed as an exhaustive list of all functions, responsibilities, skills and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate. This document does not represent an expressed or implied contract of employment nor does it alter your at-will employment , and the Company reserves the right to change this job description and/or assign tasks for the employee to perform, as the Company may deem appropriate. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr