Wire and Electronic Banking Specialist

SUMMARY OF JOB:

The Wire and Electronic Banking Specialist is responsible for processing, monitoring, and reconciling wire transfers and other electronic funds transactions (EFTs), ensuring accuracy, timeliness, and compliance with internal controls and regulatory requirements. This role serves as a key liaison between the financial institution, customers, and internal departments to facilitate domestic and international electronic payments.

ESSENTIAL JOB RESPONSIBILITES:

1. Initiate, verify, and process incoming and outgoing domestic and international wire transfers.
2. Ensure wires are completed accurately and within established timeframes.
3. Authenticate wire requests in compliance with internal security protocols.
4. Manage ACH (Automated Clearing House) transactions, stop payments, and returned items.
5. Process and support for wires (not sure if this is specifically in Dawn's); processing and support for other electronic banking activity, including ACH, RDC, Mobile Deposit, Bill Pay.
6. Monitor and maintain ACH files and transmissions, ensuring NACHA compliance.
7. Support clients with online banking transactions, transfers, and troubleshooting.
8. Provide technical support for online banking platforms and electronic payment systems.
9. Assist clients with inquiries related to wire transfers, ACH, and other digital banking services.
10. Educate customers on secure electronic banking practices.
11. Ensure all electronic transactions follow regulatory guidelines (e.g., OFAC, BSA/AML).
12. Perform OFAC screening and report any suspicious or blocked transactions.
13. Maintain accurate documentation and audit trails for all wire and EFT activities.
14. Reconcile wire and ACH activity daily, resolving discrepancies promptly.
15. Prepare internal reports on electronic transaction volumes and exceptions.
16. Assist in monthly and quarterly reporting related to wire/EFT activity.
17. Maintain current knowledge and follow all bank financial and security regulations and procedures.
18. Embody, embrace, and demonstrate InBank’s Core Values: Commitment, Innovation, Responsibility, Teamwork, Happiness, and Authenticity.
19. Other duties as assigned.

JOB REQUIREMENTS:

Education: Associate’s or Bachelor’s degree in Finance, Accounting, or a related field preferred.

Work Experience: 2+ years of experience in wire processing, electronic banking, or treasury operations in a financial institution.

Supervisory Experience: N/A

Licenses/Accreditations: N/A

Computer Skills: Proficient in Microsoft Office (Excel, Outlook) and core banking systems.

Other Requirements: Strong understanding of domestic and international wire processing standards and regulations.

Knowledge of ACH/NACHA rules, OFAC regulations, and BSA/AML compliance.

High level of accuracy, attention to detail, and ability to work under pressure.

Ability to handle confidential information with discretion.

Preferred Skills/Experience: Experience with Fedwire, SWIFT, ACH, and online banking platforms (e.g., FIS, Fiserv, Jack Henry) is highly desirable.

SPECIFIC DUTIES AND RESPONSIBILITIES:

Customer Service: Excellent customer service, communication, and interpersonal skills.

Financial: N/A

Administrative Duties: N/A

Autonomy: N/A

Employees Supervised: N/A

Budget Responsibility: N/A

The applicant who is selected for this position will be eligible for the following compensation and benefits:

• Targeted hiring range based on experience: $58,000 - $66,000 yearly. This range is an estimate based on potential employee qualifications and other considerations permitted by law under the Colorado Equal Pay for Equal Work Act and Equal Pay Transparency Rules.
• Bonus Eligibility: Annual bonus based on Company Bonus Plan/Individual Performance and is at the Company Discretion.
• Benefits: Medical, Dental, Vision insurance. Disability insurance. Employee assistance program. Flexible spending account. Health savings account. Life insurance. 
• Paid Time Off: Vacation and sick leave, as well as paid Bank Holidays.
• 401(k): Company match begins with the first contribution and follows the company vesting schedule.
• Other: access to career training and development opportunities, employee discounts.
• For more about InBank and our culture, visit us here: Who We Are 

InBank is an Equal Opportunity Employer committed to creating a diverse workforce. We support a work environment where colleagues are respected and given the opportunity to perform to their fullest potential. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, or any other characteristic protected by applicable federal, state, or local laws.