The Senior Electronic Banking Specialist is responsible for leadership responsibilities within the Electronic Banking operations of the Accounting Department, this would include but is not limited to the Automated Clearing House (ACH) operations and the Wire Transfer operations. The Senior Electronic Banking Specialist, in addition to leadership responsibilities, 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 Leadership to the Electronic Banking Specialists
Assists Accounting Management with coaching and training Electronic Banking Specialists
Assists 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 front-line associates on ACH 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
Responds timely 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-directed 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
Required 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
Skilled in Adobe and Microsoft Office programs
Proficient typing skills
Assertive problem-solving skills
Ability to work well independently or as part of a team
Ability to work efficiently in a fast-paced environment
Desired Qualifications
Five years of related experience
Experience in Cash or Treasury Management Services
Experience in Merchant Services
Experience with processing consumer wire transfers
Accredited Payments Risk Professional (APRP)
Knowledge of Symitar processing system
Advanced Microsoft Excel skills
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.