The Specialist III performs complex processing, exception management, research, settlement, reconciliation, and issue resolution; serves as a subject-matter resource for payment operations; and assists the department manager with reviewing, developing, implementing, and strengthening payment programs, procedures, controls, training, and operational readiness. Administer ACH operational activities, including returns, Notifications of Change, corrections, prenotes, death notification entries, reclamations, reversals, origination-file review, suspended files, exposure and prefunding requirements, SEC-code exceptions, and required approvals or supporting documentation.