ACH Specialist

We are looking for an ACH Specialist to support daily deposit operations and ensure transaction processing is completed accurately and on schedule. This position plays an important role in maintaining compliance with banking regulations, reconciling key accounts, and assisting with a range of operational banking activities. Based in Memphis, Tennessee, this role also partners with internal teams to provide dependable service and help keep deposit-related processes running smoothly.

Responsibilities:

• Manage ACH origination activity and review transactions for adherence to applicable banking rules and internal controls.
• Reconcile daily cash letters, bank cash, and other operational balances to confirm accuracy and resolve discrepancies promptly.
• Process collection items, overdrafts, stop payments, returns, adjustments, and chargebacks in accordance with established procedures.
• Support deposit account operations by handling special item requests, monitoring maintenance reports, and assisting with account-related processing needs.
• Oversee online banking, mobile banking, and debit card activity by researching issues and providing timely internal or customer support.
• Complete recurring daily and monthly reconciliations, settle bank funds, and assist with year-end operational and compliance tasks.
• Monitor document retention and deposit compliance requirements, including regulatory notices, dormant account review, and large-dollar item tracking.
• Process legal and regulatory items such as garnishments and Regulation D correspondence while coordinating with compliance or leadership as needed.
• Provide operational support to bank operations and branch administration teams and take on additional duties assigned by management.
• High school diploma required; additional banking, finance, or related experience is preferred.
• Prior experience in ACH processing, deposit operations, or general bank operations is strongly preferred.
• Working knowledge of banking regulations and the ability to apply compliance standards in daily processing activities.
• Experience with cash handling, bank transactions, and deposit-related operational functions.
• Strong written and verbal communication skills with solid spelling, grammar, and typing accuracy.
• Ability to organize work effectively, manage multiple priorities, and meet established deadlines.
• Careful attention to detail and sound problem-solving skills with the initiative to address issues proactively.
• Willingness to work additional hours when business needs require it.