Overview Small enough to care. Big enough to deliver. The Payment Specialist role is focused on a variety of payment support functions utilizing a full understanding of various Deposit Operations roles. Foundational expertise is in overall ACH, Exception Items, and Wire functions, as well as more advanced level operational support. Responsibilities + Assures compliance with all Bank policies and procedures as well as applicable state and federal banking regulations while performing all job responsibilities. + Remains current with NACHA Operating Guidelines. + Provides support and assistance to staff, customers, and other financial institutions for all payment-related functions in a timely manner for requests that come from OnBase, KACE, phone, email, and mail. + Responsible for preparing documentation and creating reports for audits, examinations, and other purposes as necessary, under the direction of the Payment Managing Officer. + Works on special projects as assigned to ensure that work is executed and delivered within required timeframes. + Identifies opportunities for process improvements to enhance efficiency, effectiveness, and reduce errors. + Assists with other departmental duties, including providing back-up for other roles. + Performs review of the following daily as assigned: + Monitors ACH returns activity and follows up accordingly on complex ACH transactions in accordance with NACHA standards for RDFI and ODFI ACH transactions. + Sends letters of indemnity, acting and reporting as necessary. + Projects-System report and associated clean-up. + Account reconciliations. + Processes incoming and outgoing Wire Transfers, including both domestic and international. + Ensures all wires have been reviewed by Verafin before releasing. + Processes Foreign Items, including check conversions. + Ensures prompt and timely resolution of Non-Post Items. + Reviews and processes Holds placed on accounts. + Inputs pay or return decisions on Non-Sufficient Fund items and completes the processing of the Non-Sufficient Fund items. + Reviews and processes Stop Payment items. + Reviews and processes all Federal Reserve Adjustments. + Processes chargebacks and returns. + Processes outgoing ACH returns, including Positive Pay and Reclamations. + Monitors the Federal Reserve’s Availability of Funds and Collection of Check (“Reg CC”) compliance items and prepares its monthly report. + Processes One-Time ACH requests. + Performs daily Remote Deposit Capture and Mobile Deposit review. Qualifications + Post high school education preferred or equivalent combination of education and related work experience. + In addition to education,3+ years of experience in one or more Deposit Operations Payments support roles or an equivalent combination of education, training, and experience. + Banking or financial experience is required. + One or more accreditations strongly preferred (e.g. AAP, APRP, NCP, FPP) The Perks! + Competitive base compensation with additional performance-based incentives (incentives vary depending on role) + Career development and c ontinuous learning opportunities + Paid Time Off, Paid Holidays, Parental/Grandparent Leave, and more + 100% vested 401(k) Retirement Plan with 6% company match + Medical, Dental, and Vision insurance + Flex spending plan & Health savings accounts with employer contribution + Student Loan Debt Reduction Program + Employer provided group life insurance with option to purchase additional life insurance for you and your family members + Employer provided long term and short term disability insurance + Additional Insurance options to meet your personal needs: Critical Illness and Accident insurance, and Hospital Indemnity + Wellness Program + Free banking services and other financial services discounts + Take Your Dog to Work Day in June + Employee Rally Day- a day of celebration and recognition ! RISE stands for Retention, Innovation, Support, and Empowerment. Through RISE we aspire to create and sustain a culture of respect and belonging that is reflected in the workplace and the communities we serve. Let's build something great, together. Location : LocationUS-IA-Iowa City StatusNon-Exempt TypeFull-Time CityIowa City StateIA Hours Per Week40 Benefits PackageYes - Full Time Package Location : Address 2500 South Clinton Street