ACH Coordinator

Position Overview

Heritage Family Credit Union is seeking a meticulous ACH Coordinator to act as the primary expert on Automated Clearing House (ACH) operations, ensuring precise processing, adherence to compliance standards, and effective risk management. This crucial back-office role collaborates closely with various internal teams to facilitate ACH operations, wire transfers, project involvement, and overall excellence in Deposit Operations.

Key Responsibilities

• Manage all ACH file processing including debits, credits, returns, and prenotes; perform daily imports, exports, balancing, and reconciliation.
• Handle Notifications of Change (NOCs), Death Notification Entries (DNEs), reclamations, and government-related ACH transactions.
• Oversee exception management such as unauthorized and administrative returns, account discrepancies, and irregular transaction reviews.
• Support internal department needs with payroll, loan payment, and vendor payment file management.
• Stay current on NACHA Operating Rules and related regulatory requirements.
• Monitor ACH transactions for irregularities, potential fraud, and compliance issues, escalating concerns as necessary.
• Assist with fraud investigations related to ACH, manage Regulation E workflows, and maintain necessary internal documentation.
• Participate in internal audits, regulatory examinations, and periodic reviews by preparing requisite reports and documentation.
• Serve as an internal resource on ACH guidelines, procedures, and system operations.
• Provide training to staff on ACH processing, exception handling, and system usage while enhancing operational workflows and controls.
• Assist with wire transfer processing in line with policies and regulations.
• Provide support via the department’s internal hotline, guiding branch and staff queries on operations.
• Contribute to credit union-wide projects including system upgrades, new product launches, workflow improvements, and audit remediation.
• Perform backup duties for Deposit Operations such as account maintenance, check processing, research, and other electronic payment tasks.

Ideal Candidate Profile

• Demonstrates strong expertise with NACHA rules and electronic payment systems.
• Highly organized and analytical, capable of managing responsibilities in a fast-paced, deadline-driven setting.
• Collaborative with excellent communication skills, committed to accuracy and regulatory compliance.

About Heritage Family Credit Union

This organization is member-focused, driven to positively impact its community through financial services enriched by education, integrity, and a commitment to relationships.

Employee Benefits

• Paid time off alongside federal holidays.
• Health benefits (medical, dental, vision) for employees working 24+ hours weekly.
• 401(k) matching program.
• Continuous training opportunities.
• Volunteer time off: 8 hours annually for causes important to employees.
• Monthly reimbursement up to $25 each for gym memberships, hobbies, and seasonal local fresh foods.

Compensation Details

The hourly wage ranges between $20.54 and $25.68.