Electronic Funds Transfer Specialist

This role is ideal for someone who has an uncanny ability to make prudent decisions independently. You will process Automatic Clearing House (ACH) debits and credit origination instructions, post received ACH debits and credits, and associated exceptions in accordance with NACHA guidelines. Receive and process proprietary manual payroll processing received from UN agencies. Assist with internal check processing as required. Ensure compliance with federal and state laws and regulations and UNFCU’s Code of Ethics & Business Conduct.

This position is hybrid. Expected work hours are 10:15AM - 6:45PM EST.

NYC Salary range: $55,000 - $58,000 annually; compensation is commensurate to geographic location.

• Regardless of seniority or role, uphold UNFCU’s mission, core values, and guiding principles by providing an exceptional service experience to colleagues and members alike through consistent demonstration of our service excellence behaviors.
• Process ACH debit and credit originations and/or receipts though the US low-value clearing network. Initiate Notification of Changes (NOCs) as it pertains to original ACH transactions and process any returns. Verify, post, and balance all ACH transactions and complete reconciliations of ACH transactions and general ledger postings. Provide assistance with inquiries regarding ACH transactions.
• Process items daily through in-house manual payroll solution for external UN agencies not currently using an ACH or wire transfer solution.
• Perform verification of incoming and outgoing ACH files on a daily basis.  Ensure file transmission is properly scheduled and received by our ACH Operator. This includes ACH origination and return files.
• Assist with EFT related inquiries from management, internal colleagues and/or members.  Monitor group mailboxes as assigned and respond in a timely, clear and concise manner.  Assist management with fact-finding, data mining and operational efficiency initiatives upon request.
• Assist as needed with check processing, including posting/returning of inclearing checks, deposited check imaging, and foreign check collection. Follow departmental guidelines regarding verification procedures, posting, exception handling, and return handling.  Provide assistance with inquiries regarding check transactions.
• Coordinate with Accounting to resolve erroneous postings between internal General Ledger accounts and member accounts.
• Create daily reconciliation sheets for EFT activities and deliver to Accounting for prior-day processing.
• Notify Accounting of posting adjustments (e.g. manual returns, check adjustments) that will impact General Ledger balancing.
• Ensure all forms received from members are processed in a timely manner (e.g. Stop Payment, Unauthorized ACH Debit and/or Payroll Allocation).

• 3 years of ACH origination/receipt processing with an industry-standard ACH processing application (e.g. PEP+ or ACHPlus) experience
• Excellent decision-making skills
• Demonstrated ability to problem solve and is solution-oriented
• Excellent interpersonal skills and detail-oriented
• Intermediate MS Office skills
• Associate's degree

• Experience with ACH processing application PEP+ or ACHPlus
• Basic cash management aptitude 
• Familiarity with low-value payment handling outside the US

UNFCU is a global not-for-profit financial institution that serves the UN community. We are committed to providing peace of mind to our members and colleagues and strive to achieve service excellence in all that we do. The best part of UNFCU is the people. Those that choose to work with us often find personal fulfillment, professional growth and a purposeful culture. 

UNFCU is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. UNFCU prohibits discrimination and harassment of any type. All applicants will be considered for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by country, federal, state or local laws.