Job Description

The Exceptions Processing Specialist plays a pivotal role in ensuring the accuracy, compliance, and efficiency of banking operations by managing exception items, ACH transactions, and related processes. This position demands meticulous attention to detail, a comprehensive understanding of banking regulations, including NACHA guidelines, and the ability to thrive in a dynamic, fast-paced environment. The specialist collaborates with cross-functional teams to uphold regulatory standards, resolve client inquiries, and drive operational excellence.

Essential Duties and Responsibilities:

• Accurately process and resolve ACH exceptions, returns, stop payments, and check-related issues in accordance with NACHA operating rules and banking regulations.

• Coordinate with Relationship Management and Support teams to deliver an exceptional customer experience, while partnering with Compliance and Risk teams to minimize risks and uphold regulatory standards.

• Address customer inquiries related to account transactions in a timely and professional manner, escalating complex issues to appropriate teams to ensure resolution and satisfaction.
• Partner with Customer Experience, Compliance, and Risk/Fraud Management teams to ensure seamless operations and adherence to security protocols.
• Identify, prepare, and manage dormant accounts for escheatment, ensuring compliance with state laws and accurate documentation.
• Open and thoroughly investigate customer disputes cases concerning electronic funds transfer transactions.
• Identify bottlenecks or inefficiencies in workflows and purpose actionable solutions to enhance productivity and customer satisfaction.
• Create, maintain, and update detailed procedures to ensure consistency and compliance in operations workflows.
• Undertake special projects and other tasks as assigned to support the bank’s operational and strategic objectives
• Serve as a back up to Account Operations Specialists
• Other duties as assigned.

Required education and experience:

• High school diploma and/or GED

• Minimum of 2-3 years of experience in banking operations, with a focus on exception processing, ACH transactions, or similar roles withing financial services.

• Understanding of funds transfer systems (ACH, Wire) and bank accounting.

Preferred education and experience:

• Associate’s or bachelor’s degree in finance, business, or a related field preferred.
• Certificate in ACH operations (e.g. AAP or APRP) is a plus

Competencies:

• In-depth understanding of electronic funds transfer systems (e.g., ACH, wire transfers) and bank accounting principles.
• Exceptional attention to detail and accuracy in transaction processing and exception resolution.
• Excellent time management and organizational skills to prioritize tasks in a high-pressure environment.
• Superior communication and interpersonal skills to collaborate with teams and engage with customers.
• Proficiency in banking software and systems, including Microsoft Office Suite (Excel, Word, Outlook).

TAB Bank Offers:

• Onsite Gym
• Tuition Reimbursement
• Paid Holidays
• Gym Reimbursement
• College Scholarships for Employees and Families
• 401(k)
• Paid Time Off (PTO)
• Employee Assistance Program (EAP)
• I Made the Grade
• Holiday Club Program
• Medical, Dental, Vision, Life and AD& D, Voluntary Disability, Flex Spending & Dependent Care

TAB Bank will not sponsor applicants for work visas.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.