Operations Processor - ACH

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

The Operations Processor is responsible for researching, investigating, and resolving ACH fraud and dispute cases involving unauthorized, disputed, or erroneous account activity. This individual will independently manage a daily queue of ACH cases, which may include unauthorized transactions, duplicate charges, billing disputes, and other ACH-related claims. This teams collaborates with internal bankers and representatives to obtain information and resolve cases. This is a multifaceted, production-focused role requiring a high level of accuracy, attention to detail, adaptability, and effective workload prioritization. The successful candidate will take initiative, work independently, and learn new or changing claim-processing procedures as business and regulatory requirements evolve.

This role requires working from the posted U.S. Bank location three (3) or more days per week.

Key Responsibilities:

• Manage a daily queue of ACH fraud and dispute cases.

• Research, investigate, validate, and resolve unauthorized, disputed, or erroneous ACH transactions.

• Review incoming claims and supporting information for completeness and accuracy.

• Conduct transaction research and internal investigations to determine the appropriate case disposition.

• Process provisional or final credits based on investigation results and applicable requirements.

• Collaborate with internal bankers and representatives to gather information and resolve cases.

• Prioritize assignments and manage case queues to meet applicable Regulation E deadlines.

Basic Qualifications

• High school diploma or equivalent

• Four years or more of operations services related work experience

Preferred Skills/Experience

• Regulation E knowledge is beneficial but not required; training can be provided

• Strong prioritization and time-management skills, particularly when managing regulatory deadlines

• Strong attention to detail and commitment to producing accurate work

• Ability to work effectively with internal partners and contribute as a collaborative team member

• Good time management skills to maximize production and execution of tasks in a fast-paced environment

• Adaptability and willingness to learn as regulations, processes, and procedures change

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $21.25 - $28.32

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.