ACH Operations Analyst

ACH Operations Analyst

Bank7 | Oklahoma City, OK | Full-Time | On-Site

As a ACH Operations Analyst, you will play a critical role in supporting the bank’s deposit operations, with a primary focus on reviewing and processing ACH origination files. This position is responsible for reviewing ACH files originated by Bank7 customers, performing appropriate due diligence and risk-based review prior to release, identifying potential issues or unusual activity, and coordinating with Account Officers, Treasury Support, and other internal departments when additional information or clarification is needed.

The ideal candidate is detail-oriented, organized, and able to effectively research and resolve issues while providing excellent service to branches, internal departments, and customers. This role requires the ability to manage multiple priorities in a fast-paced environment while maintaining a high level of accuracy.

Key Responsibilities

ACH Processing & Due Diligence – Primary Responsibility

• Review and release ACH origination files submitted by Bank7 customers in accordance with established procedures, deadlines, and internal controls.
• Perform due diligence on ACH files prior to release, including reviewing transaction details, customer activity, file amounts, transaction patterns, and other relevant information for potential issues or unusual activity.
• Identify discrepancies, unusual transactions, potential fraud or risk concerns, and other issues requiring additional review prior to releasing an ACH file.
• Research and investigate ACH activity when additional information or clarification is needed.
• Work directly with Account Officers, Treasury Support, and other internal departments to obtain additional information, resolve questions, and determine the appropriate course of action.
• Communicate effectively with Account Officers and Treasury Support regarding ACH files requiring additional review or follow-up.
• Ensure ACH files are released accurately and within established processing deadlines.
• Monitor outstanding ACH files and follow up on items requiring additional information or resolution.
• Research and resolve ACH processing exceptions, discrepancies, and rejected or returned transactions.
• Maintain appropriate documentation of ACH reviews, decisions, and supporting information in accordance with bank procedures.
• Assist with ongoing monitoring and quality control of ACH processing activities and identify opportunities to improve processes and controls.

Internal Support & Customer Service

• Provide timely and professional support to branches and internal departments through phone, email, and other communication channels.
• Respond to inquiries related to ACH transactions, debit cards, deposit accounts, and other Deposit Operations activities.
• Provide guidance and assistance regarding deposit operations procedures, processes, and requirements.
• Research issues and work with appropriate departments to identify solutions and resolve operational concerns.
• Provide excellent customer service while maintaining a professional and positive approach.

Account & Documentation Review

• Perform new account audits to ensure required documentation is complete, accurate, and properly maintained.
• Conduct quality control reviews of Deposit Operations activities to identify errors, discrepancies, or process issues.
• Review documentation and transactions for compliance with bank policies, procedures, and applicable regulatory requirements.
• Assist with identifying trends or recurring issues and communicate opportunities for process improvement.

Operational Processing

• Process file maintenance requests submitted by branches and verify the accuracy of account updates.
• Review mobile deposits for proper processing, endorsements, and potential risk concerns.
• Process and research returned mail, including appropriate account follow-up and maintenance.
• Perform daily and next-day review activities, including internal control checks, exception report review, and verification of prior-day processing.
• Assist with other Deposit Operations processing, projects, and responsibilities as needed.

Exception Processing & Posting

• Review and resolve exceptions identified through daily processing and system reports.
• Research, correct, and complete the posting of non-posted items.
• Process non-sufficient funds (NSF) items in accordance with bank policies and established decisioning procedures.
• Research transaction discrepancies and coordinate with appropriate departments to resolve issues accurately and timely.

Debit Card Services

• Process debit card maintenance and related service requests.
• Assist with debit card disputes and research related transaction activity.
• Respond to branch and internal inquiries regarding debit card processing and account activity.

Requirements

• 2-3 years of banking experience.
• Deposit Operations experience strongly preferred, particularly experience with ACH processing, transaction processing, account maintenance, or related operational functions.
• Strong attention to detail and ability to maintain accuracy while managing multiple responsibilities.
• Strong organizational and time-management skills with the ability to prioritize work and meet deadlines.
• Excellent written and verbal communication skills.
• Strong customer service skills and the ability to work effectively with branches, internal departments, customers, and management.
• Demonstrated ability to research issues, identify discrepancies, and develop appropriate solutions.
• Ability to work independently while also contributing effectively as part of a team.
• Ability to maintain confidentiality and handle sensitive financial information appropriately.
• Ability to adapt to changing priorities, systems, and procedures.

Knowledge, Skills & Competencies

• Knowledge of Deposit Operations processes, procedures, and workflows.
• Working knowledge of ACH origination and transaction processing.
• Understanding of ACH processing requirements and applicable risk considerations.
• Working knowledge of banking policies, regulatory requirements, and internal controls.
• Strong analytical and problem-solving skills.
• Excellent attention to detail and accuracy.
• Ability to prioritize work and meet deadlines in a fast-paced environment.
• Strong interpersonal and communication skills.
• Demonstrated commitment to providing excellent service and supporting the bank’s operational goals.

Preferred Experience

• Banking: 2-3 years preferred
• Deposit Operations: Preferred
• ACH Processing: Strongly Preferred
• Customer Service: 1 year preferred

Work Arrangement

Full-time, on-site position. Remote and hybrid work options are not available for this role.

Work Location

One location – Oklahoma City

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee discount
• Flexible spending account
• Health insurance
• Health savings account
• Paid parental leave
• Paid time off
• Vision insurance

Experience:

• ACH File Processing: 1 year (Preferred)
• Banking: 1 year (Preferred)
• Customer service: 1 year (Preferred)

Work Location: In person