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ACH Risk Analyst II

Company: Citizens Business Bank
Location: Rancho Cucamonga
Posted on: May 28, 2023

Job Description:

Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.
Position is responsible for the oversight of all ACH risk related functions including customer onboarding, due diligence reviews, monitoring, education, resolution of ACH violations and renewals of ACH limits. Position will also be responsible for handling ACH claims outside of the standard ACH return time frames.
Essential Duties and Responsibilities include the following. Other duties may be assigned.

  • Complies with and stays abreast of all policies and procedures, Nacha Rules, federal and state laws applicable to the job.
  • Maintain time sensitive workflow related to ACH processes for customer onboarding, modifications and renewals.
  • Review ACH files originated and received to ensure all have been received and processed through applicable bank systems daily.
  • Review and process ACH Risk Worksheets for new and existing customers.
  • Research and resolve ACH system alerts and exceptions on a daily basis.
  • Research and resolve any "Unknown Companies" as applicable to ensure database is updated appropriately.
  • Update and maintain accurate information in department logs and databases.
  • Provide support to address customer and associate inquiries/concerns related to ACH Risk and processing functions including ACH rules, claims, out of time frame returns, reversals, notification of change (NOC), alerts and renewals.
  • Work with other financial institutions to recover potential losses due to unauthorized ACH transactions.
  • Work with customers to address escalated and/or complex NACHA rule violations in a timely and appropriate manner.
  • Provide education to customers on NACHA rule requirements as needed.
  • Assist with projects and testing related to ACH processes or applications.
  • Provide documentation for certifications, reporting and audits.
  • Oversee the annual ACH Renewal process and communications.
  • Provide, present and promote The Citizens Experience to all external and internal customers.
  • Other duties as assigned.
    Supervisory Responsibilities
    This job has no supervisory responsibilities.
    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 accommodations may be made to enable individuals with disabilities to perform the essential functions.
    Education and/or Experience
    Bachelor's degree from a four-year college or university; or three to five years related experience and/or training; or equivalent combination of education and experience. Advanced ACH training is preferred.
    Language Skills
    Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.
    Mathematical Skills
    Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.
    Reasoning Ability
    Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
    Computer Skills
    To perform this job successfully, an individual should have knowledge of Navigator, Director Database software; Microsoft Office, Q2 Central Fedline Advantage and EDI.
    Certificates, Licenses, Registrations
    • The goal of obtaining an ACH Network Certificate or Accredited ACH Profession (AAP) is highly encouraged. Other Skills and Abilities
      • Ability to work well under pressure while maintaining strong attention to detail
      • Strong organizational skills
      • Ability to prioritize and multi-task
      • Strong customer service and communication skills
      • Strong written and verbal communication skills
        Other Qualifications
        Ability to work overtime to support daily ACH processes and assist during contingency situations.
        Physical Demands
        The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
        While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, depth perception and ability to adjust focus.
        Work Environment
        The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
        The noise level in the work environment is usually moderate.
        Salary Range:$21.5600 To 29.1100 Hourly
        40 hours per week.

Keywords: Citizens Business Bank, Rancho Cucamonga , ACH Risk Analyst II, Professions , Rancho Cucamonga, California

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