Automated Clearing House (ACH) Coordinator

Job Title:  Automated Clearing House Coordinator

Reports To:  Electronic Services Manager

FLSA Status:  Non-Exempt

Department:  ACH

Location:  Napoleon

Summary: Responsible for ACH function and daily processing of work to meet required deadlines. The ACH Coordinator will ensure compliance with internal policies as needed for regulatory changes or to mitigate risk for the bank. 

Essential Duties and Responsibilities include the following. 

Other duties may be assigned. 

• Manage daily ACH activity for the bank. This function includes origination, receiving and processing incoming ACH transactions, maintenance, scheduling, fee collection, customer error resolution, and monitoring of daily volumes.
• Supervise, manage and lead the oversight and coordination for the ACH area, working closely with the ACH specialists to ensure daily operational responsibilities are completed accurately and timely.
• Responsible to oversee and manage risk associated with ACH participation, understanding rules and regulations, and develop internal policies required to maintain compliance.
• Provides customer support and serves as an internal resource for employees by assisting with ACH and Wire Transfer functions, troubleshooting issues, answering questions, and evaluating customer needs to determine appropriate solutions while maintaining compliance with all applicable rules, regulations, and bank policies.
• Oversee and maintain origination contracts, serve as a relationship manager for the banks’ customers and coordinate and conduct customer meetings both onsite and offsite to strengthen relationships, support business development efforts, and address customer needs.
• Support wire transfer functions, including processing customer wire transfer requests, receive and post transactions for incoming wire transfers, backup for collecting wire transfer details from customers, and ensuring proper authorization and authentication as required. 
• Responsible for completing all ACH Reclamations received accurately and within required timeframes. Maintain a working knowledge of applicable ACH rules, 31 C.F.R. Part 210, and Green Book reclamation requirements; review each reclamation promptly; determine and process the appropriate response and return of available federal benefit payments; document required information; and ensure all actions are completed timely and in accordance with bank procedures. 
• Responsible for processing ACH returns.
• Responsible for recurring customer transactions, including setup, maintenance, and exception monitoring.
• Identify opportunities to improve processes, mitigate risk, and enhance operational efficiencies within the ACH department.
• Demonstrate leadership, accountability, and effective communication while supporting both the ACH team and customers.
• Manage and oversee all aspects of ACH audits and Risk Assessment, serving as the primary liaison between external audit firms and the ACH department. Coordinate the completion of audit requests, facilitate communication, track findings, and ensure corrective actions are implemented. Analyze audit results and work collaboratively with the Ach team to strengthen controls, mitigate risk, and maintain regulatory and NACHA compliance. 

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience:

· High school diploma or equivalent required; associate or bachelor’s degree in business, finance, or related field preferred.

· Six months to one-year related experience and/or training; or equivalent combination of education and experience; or One year certificate from college or technical school.

Certificates and Licenses: 

AAP Certification or willingness to get certified

Supervisory Responsibilities: 

This job has supervisor responsibilities 

ROLE QUALIFICATIONS:

Other Skills and Abilities

· Strong analytical and problem-solving skills. 

· Excellent attention to detail and accuracy. 

· Proficient computer skills, including Microsoft Office and ACH software. 

· Ability to manage multiple priorities and meet deadlines. 

· Strong written and verbal communication skills. 

· Ability to maintain confidentiality and exercise sound judgment. 

· Team-oriented with a commitment to supporting ACH objectives

WORKING CONDITIONS:

Work is performed largely within the Bank with limited chance of personal injury.  Prolonged and frequent mental and visual concentration required.  Periodic stressful situations in response to multiple priorities within established deadlines.  Work hours are generally normal business hours.  Unscheduled evening and weekend work may be needed to meet the needs of customers and employees. Occasional travel between offices and out-of-town/overnight business travel may be required. You must be able to lift and move up to 20 pounds of office supplies and equipment.  Some bending, turning, and twisting required. Serves as a representative of the organization at appropriate functions.

GENERAL NOTICE:

This position describes the general nature and level of work performed by the individual assigned to this position and should not be interpreted as all inclusive.  It does not state or imply that these are the only duties and responsibilities assigned to the position.  The employee may be required to perform other job-related duties.  All requirements are subject to change and to possible modification to reasonably accommodate individuals with a disability.  

This position description does not constitute an employment agreement between the employer and employee and is subject to change by the employer as the needs of the employer and requirements of the position change.