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Payments Operations Analyst

Company: Patelco Credit Union
Location: Dublin
Posted on: November 12, 2021

Job Description:

About Patelco Credit Union:We're here to help people in communities throughout Northern California build financially healthy lives. We do this by being attentive and partnering with our members to understand what is financially best for them. We thrive on change, and we put people first. If you're looking to use your skills and knowledge to make a difference in the lives of others, we look forward to hearing from you.Patelco is a not-for-profit credit union, serving the financial needs and aspirations of more than 400,000 members. What we earn, we return to our members in savings from lower loan rates, fewer fees, and personalized service that focuses on transparency, simplicity, and trust. Our mission remains the same as when we started in 1936, to provide products, services, education, and expertise that will empower our members to rise up and achieve financial freedom.Overview:In this role, responsibilities will include processing of ACH files of debit and credit exception items under NACHA regulations, review of Remote Deposit Capture items and fraud analysis for risk mitigation, and investigation of bank collection claims. This individual will provide superior service to members both external and internal and via remote channels. The successful candidate will be detail-oriented, highly-organized, and have the ability to communicate with tact and professionalism.Responsibilities:Ability to work independently and as a team member while using discretion in decision making and sound judgement in problem solving.Aptitude for critical thinking and problem solving and ability to maintain/follow up and meet critical dates and deadlines as assigned.Demonstrate excellent organization, planning and prioritization skills; ability to manage multiple responsibilities and to work with multiple data systems.Provide support to internal team members through inbound helpline calls and help ticket requests and complete within established service levelsProvide support to Operational Support Department with additional research requests such as deposit check copies, account research, and account adjustmentsProvide quality service excellence to members and internal team members by responding to Help Line calls and Help Desk Tickets within service level expectationsIdentify and recommend ways to continuously streamline or improve the work process and/or the work environment, including procedure updates and revisions.Comply with regulatory guidelines and requirements as established by governing regulatory entities including National Automated Clearing House Association (NACHA), Regulation E, and Regulation CCComply with all federal and state laws, as well as organizational policies, procedures, and processes, including (but not limited to) those related to the Bank Secrecy Act (BSA), Identity Theft Red Flags, and Office of Foreign Assets Control (OFAC). Performs related responsibilities as required.Enthusiastically provide support for Credit Union goals.Perform other duties as assignedMay specialize in the following:ACH Transactions:Serve as the subject matter expert for the processing, transmission, and compliance of ACH transactions including liability, and operations guidelinesAct as primary contact for frontline team members in all matters pertaining to ACH including resolving disputes and transaction researchAccurately review each exception entry of debit and credit transactions to independently make decision if item will be paid or returned; assess transaction details including Tran Code, SEC code and exception reasonResponsible for ensuring processing and decision making is compliant with NACHA regulations in handling of exceptions, returns, and disputesAccurately post exception to member account or initiate return of transaction with appropriate return code as required by the NACHA Operating GuidelinesOriginate recurring ACH debits and credits to other financial institutions by accurately originating ACH transaction with appropriate tran code and account information.Responsible for reviewing and obtaining required authorization agreements and supporting documents to comply with ACH Operating Guidelines and required record retentionReview prenotification entries from originating financial institutions by validating member's account; initiate Notice of Change correction if needed to rectify erroneous informationTimely respond to Notice of Changes received from other financial institutions by making corrections to the ACH setup.Assess Death Notification Entry notifications from Federal agencies; place account restrictions and notations to protect account from potential unauthorized transactionsBalance daily files transmission to Federal Reserve by required deadline; complete balancing and reconciliation of general ledgers for final settlementTimely respond to government reclamations of federal benefit payments including review of reclamation notices, completion of account research, and remittance funds to comply the U.S. Treasury's regulationsValidate ACH stop payment setup and form completion to ensure accuracy and compliance with NACHA rulesQualifications:Must have High School Diploma/GEDAAP or NCP Accreditation highly desiredMinimum 3 years' experience in credit union or financial institution experienceMinimum 3 years' experience in customer service or call center preferredMinimum 2 years previous experience in Remote Deposit Capture, check in-clearings, or returned check adjustmentsKnowledgeable in NACHA, Regulation CC, Regulation E, and Check21ActExcellent oral and written communication skillsStrong data entry skills with high accuracy standardsSkilled in utilizing Microsoft Excel to present information and complex sets of dataExcellent organizational and time-management skills with the ability to multi-taskAbility to work independently while being a team playerStrong organizational, problem-solving, and analytical skillsAbility to adapt to every changing priorities in a fast-paced environmentWe Offer:An inspiring career that benefits both you and your communityCompetitive compensation packages with bonus opportunityFull Medical/Dental/Vision benefits with minimal eligibility waiting periodGenerous 401(k) with 3% Safe Harbor and 5% employer matchDiscounts on loan productsTuition ReimbursementOnsite Fitness Center at HQ and rewards for healthy habitsClose proximity to BART, restaurants and shoppingPatelco Credit Union is an Equal Opportunity Employer: disability/veteranIND123

Keywords: Patelco Credit Union, Dublin , Payments Operations Analyst, Professions , Dublin, California

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