Business Banking & ACH Operations Specialist

PRIMARY PURPOSE

Support Business banking clients with various products and services including ACH Origination, Wire Transfer Origination, Positive Pay (Check and ACH Positive Pay), Remote Deposit Capture (RDC), Business Online Banking, Account Analysis and Commercial Deposit Services.

Salary Range: $60,000 - $75,000 annually

Schedule: Monday – Friday, 8:30 AM – 5:00 PM; 37.5-hour work week

TOTAL REWARDS

• Benefits: medical, dental, vision, life insurance, 401K, PTO & FSA.
• Compensation: market competitive salaries and annual merit increase and bonus program.
• Perks: 11 paid holidays, recognition platform integrated with Amazon, CREW Cares paid volunteering, & professional development opportunities & monthly engagement events.
• Differentiators: Tuition Reimbursement, Student Loan Repayment, Calm app, & pet benefits.

ESSENTIAL DUTIES & RESPONSIBILITIES

• Serve as the primary point of contact and subject matter expert for Cash Management, Business Online Banking, and Mobile Banking products and services, providing exceptional support to internal and external clients.
• Assist clients with product inquiries, service requests, troubleshooting, and complex issues, including computer and device support.
• Partner with retail teams to identify client needs and opportunities to expand banking relationships through Cash Management products and services.
• Process applications, enroll clients in new services, and provide product education, implementation support, and ongoing assistance.
• Collaborate with bank officers, Operations, and implementation teams to resolve client issues and ensure effective service delivery.
• Provide backup support for ACH risk management functions, process ACH returns timely and ensure compliance with applicable NACHA rules and regulations.
• Prepare and maintain documentation for audits and examinations, ensuring records are accurately scanned and indexed.
• Develop and maintain procedure manuals and reference materials to support consistent service delivery and independent client support.
• Perform other duties as assigned.

EDUCATION & EXPERIENCE

• Minimum of 3 years of banking experience, including at least 2 years of direct Cash Management, Treasury Management, or ACH Operations experience.
• Experience with Fiserv Cleartouch and related Cash Management platforms, including Business Online Banking and treasury services.
• Strong working knowledge of ACH processing, origination, returns, exception handling, NACHA Rules and Operating Guidelines, and ACH risk management practices.
• High School Diploma or GED required; Associate’s or Bachelor’s degree in Business, Finance, Accounting, or a related field preferred.
• Experience supporting Cash Management products and services, including ACH and Wire Origination, Positive Pay, Remote Deposit Capture (RDC), Account Analysis, and Commercial Deposit Services.
• Experience onboarding commercial clients and implementing Cash Management solutions, including documentation, system setup, testing, and client training.
• Knowledge of commercial banking regulations, fraud prevention, and operational controls related to Cash Management services.
• Accredited ACH Professional (AAP) certification or willingness to obtain certification.
• Demonstrated knowledge of NACHA Rules and ACH risk management practices.

JOB REQUIREMENTS

• High level of commitment to exceptional service and client relationship development for internal and external clients.
• Align and embrace Manasquan Bank’s pillar core values including, engagement, quality, innovation, and relevance and sustainability.
• Compliance with all required enterprise-wide trainings to keep current on regulatory and industry trends.
• Employees must possess the level of product knowledge necessary to effectively promote the Bank’s products and services by identifying cross selling opportunities, educating clients regarding the benefits of the Bank’s products and services, and effectively promoting them.
• Proficiency in Microsoft Office Suite, particularly Excel and Word.
• Strong verbal and written communication skills, with the ability to interact professionally and effectively with internal and external clients.
• Ability to work independently, manage time and resources effectively, and prioritize multiple responsibilities.
• Strong analytical, problem-solving, and troubleshooting skills, including the ability to resolve complex Cash Management service issues and provide technical support.
• Ability to handle and maintain confidential information appropriately.

WORKING CONDITIONS & PHYSICAL REQUIREMENTS

Working conditions are those of an “open” office environment, which can require the ability to manage some stress such as noise level from customers, employees, and general office equipment, etc. Daily use of wrists, hands, and fingers: to use computer, telephone, fax, copier, and general office equipment. Ability to hear and speak clearly for gathering simple to complex information from both customers and co-workers. Sitting for extended periods (up to 8 hours) of time, standing and walking up to 15% of work time. Ability to bend and lift coin boxes, up to approximately 25lbs. Ability to operate a motor vehicle for travel within branch network.

DISCLAIMER: This information describes the general nature and level of work performed by employees in this job. The description is not designed to be a comprehensive inventory of all duties, responsibilities, and qualifications required of employees in this job. Reasonable accommodation may be made to qualified, disabled individuals for the performance of essential duties and responsibilities.