Title: Senior Electronic Banking Specialist
Reports to: Electronic Banking Supervisor
Supervises: None
Status: Non-Exempt
Objective
The Senior Electronic Banking Specialist acts as a mentor and subject matter expert within the Electronic Banking operations area of the Credit Union. Responsibilities include supporting, coaching and providing technical expertise for Electronic Banking functions, including but not limited to the Automated Clearing House (ACH) operations, Wire Transfer operations and to promote operational efficiency and support the success of the Electronic Banking team. The Senior Electronic Banking Specialist will also be required to complete the processes in each of these areas. These processes will include Automated Clearing House (ACH) files under NACHA regulations, the processing of share draft transactions, processing of incoming and outgoing wires, and other electronic banking functions. Additionally, the Senior Electronic Banking Specialist will perform a variety of support duties related to the Accounting and Operations Department and support functions within the Credit Union.
Duties and Responsibilities
- Provides guidance, mentorship and subject matter expertise to Electronic Banking Specialists
- Assists other associates with answers and solutions to questions about electronic banking processes
- Assists Management with the annual ACH Program and Wire Transfer reporting to the Board of Directors
- Periodically trains our front-line associates on ACH processes and rule changes and Wire Transfer processes and rule changes
- On a self-directed basis, stays informed of changes in the electronic banking functions
- Assists Management with new or updated changes to any electronic banking functions, to stay relevant or to remain compliant
- Serves as the subject matter expert for the processing and transmission of ACH transactions:
- Accurately reviews and assesses credit and debit exception transactions, specifically the Tran Code, SEC Code, and exception reason, to determine if manual processing is required based on written procedures
- Ensures processing and decision-making is compliant with current NACHA disputes, exceptions, and returns guidelines and rules
- Balances daily files transmission to Federal Reserve by required deadline
- Timely responds to ACH disputes and research
- Originates recurring ACH debits and credits to other financial institutions by accurately originating ACH transactions with appropriate account information
- Answers operational and procedural questions by researching and interpreting Operations policy, regulations, and systems (i.e., Symitar)
- Proficiently completes all duties defined in Electronic Banking Specialist 1 and Electronic Banking Specialist 2 job descriptions.
- Assumes responsibility for related duties as required or assigned
- Performs all duties in a manner that is fully compliant with applicable industry regulations as well as KEMBA policy and procedures
- Develops an understanding of Credit Union history, philosophy, organization, policies, and operational procedures
- On a self-direct basis, continues to improve individual level of competency through training and certification on established educational programs
- Relates to others beyond giving and receiving instructions:
- Communicates with coworkers or peers without exhibiting behavioral extremes
- Performs work activities requiring negotiating, instructing, supervising, persuading, or speaking with others
- Responds appropriately to criticism from a supervisor
- Performs other duties as required by management
Qualifications
- Accredited ACH Professional (AAP)
- High school diploma or equivalent education and experience
- Strong sense of priority, attention to detail and high degree of accuracy
- Prior experience in a financial/banking institution
- Ability to handle multiple tasks simultaneously
- Professional demeanor
- Effective communication skills
- Basic PC skills (Windows, Excel)
- Proficient typing skills
- Assertive problem-solving skills
- Ability to work well independently or as part of a team
- Ability to work in a fast-paced environment
Desired Qualifications
- Five years of related experience
- Accredited Payments Risk Professional (APRP)
- Knowledge of Symitar or Correlation Keystone processing system
Physical Demands
The physical demands listed below represent those necessary to perform the essential functions of this role. Reasonable accommodation may be provided to enable individuals with disabilities to perform these functions.
The employee is regularly required to sit, use their hands, reach with arms, and communicate verbally and orally. Occasional standing, walking, and lifting of objects up to 25 pounds are required. Vision requirements include close, distance vision, and focus adjustment.
Equal Opportunity Employer/Vet/Disabled