Electronic Funds Services Representative - FRB Services

• Must meet the following standards of service as evaluated by our internal and external members.
• I will provide accurate information.
• I will respond and follow through with all requests in the agreed upon time frame.
• I will conduct myself in a friendly and professional manner.
• I will listen effectively and offer solutions appropriate to you individual needs.
• I will project a whatever it takes attitude.
• I will address you by name and thank you for your business.
• Process AM(morning) and same day ACH files within required time constraints to ensure compliance with National Automated Clearing House Association (NACHA) requirements: Perform exception analysis to ensure accuracy for posting or returns and Notification of Change (NOC) updates to ensure errors are addressed to prevent future erros, GL reconciliation.
• Process ACH origination files to ensure accurate file transmission, prefundin approval and reconciliation.
• Process all ACH stop payments.
• Analyze all ACH reclamations and Death Notification Entries (DNE) received from various government agencies, Review accounts and process returns related to applicable claims.
• Process all payroll table adjustments to ensure electronic funds transfer (EFT) functions apply.
• Process ACH Written Statement of Unauthorized Debits (WSUD) filed on Centrix: Process adustments through FRB via ACH manager system. Analyze information provided by members to ensure all factors are accurate and in compliance with Regulation E pior to submission; update Centrix to process provisional credits and create correspondence.
• Process all incoming wires received through WITS: the wire processing system; Analyse the information provided to ensure accuracy prior to posting; Return any exceptions that do not match Symitar
• Initiate all outgoing wires submitted through WITS. Analyze submissions for accuracy to ensure processability. Analyze documentation provided, source of funds and member ID or validity and compliance with American Heritage polices and procedures. Host recorded callbacks on wires meeting American Heritage callback requirements. Submit to authorizer for validation prior to management request for approval.
• Initiate all call intake (outgoing wires requested by members) Create member submission via recorded phone call, capture all pertinent details for wire accuracy, review member source of funds and ID for validity and compliance with American Heritage polices and procedures. Transmit documentation for review and approval to member VIA docusign. Submit to authorizer for validation prior to management request for approval.
• Capture RDC files hourly, process adjustments and true checks review, process end of day submission to FRB.
• Process all returned deposit items (RDI) received in file import from FRB. Analyze any items that overdraw accounts. Report item list to applicable parties and notify members.
• Process all share draft exception items, analyze exceptions for butterflied accounts, internal account items and ERM factors. Ensure processing meets all American Heritage polices and procedures requirements releation to compliance factors and FRB timelines.
• Process
• Process adjustments received on check items cleared through FRB and shared branching.
• Process share draft stop payments.
• Process outgoing share drafts files for distribution to FRB including ATM, ITM, Teller, RDC, and Returns.
• Process separate GL reconciliations for all FRB Services (ACH, Wires, Check 21, RDC, RDIs, Share Drafts, ATM and Teller Settlements) Related to assignments.
• Cross train and assist with EFS FRB Services workflows when necessary.
• Review Harland Clarke check order exceptions.
• Update all applicable monthly activity tracking reports for Board Statistic preparation.
• Review and update all FRB Services related procedures as assigned or system updates required.
• Remain current and knowledgeable of all aspects of local, state, and federal regulations that affect the credit union.
• Ensure work area is clean, secure, and well maintained in conjunction with our clean desk policy.
• Remain active in the University Program of American Heritage Credit Union and complete the position's present curriculum as outlined in the Online University by completing the following - Credit Union annual required compliance training, the Online University required coursework within assigned timeline, and the supplemental courses listed in the Online University Curriculum within the prescribed timeline.
• Experience

• Intermediate working knowledge of PC applications (Word, Excel, MS Outlook, and Symitar).
• Requires education equivalent to a four year high school diploma
• Must be flexible to work from 6:00 a.m. to 7:00 p.m. as ACH begins at 6:00 a.m. and Check-21 files to the FRB end at 7:00 p.m.
• Must be available for rotating Saturdays.

American Heritage Credit Union