ACH Processor

Job description

Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri. Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate. We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity. Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do. As a Community Bank, we provide personalized banking services and solutions to support the businesses, individuals, and charitable organizations of the Kansas City Metropolitan Area, both in branch and online. We are committed to fostering strong relationships, supporting local economic growth, and we believe in the power of being an integral part of the community we serve. Role Description: The ACH Processor will be responsible for processing bank and client ACH and wire transactions, reviewing electronic deposits, clearing item processing exceptions, working payment-related disputes, reviewing tools and reports for unusual/unexplained online and mobile banking activity, and responding appropriately. This role offers tremendous growth opportunities to learn from other Payments experts in an inclusive, supportive, technology-driven environment. In this role you will: - Accurately prepare and process all ACH requests within the timeframes established by Lead Bank. - Review and process stop payment requests and Written Statements of Unauthorized Debit (WSUD), ensuring appropriate ACH returns are completed. - Complete additional payment-related duties including, but not limited to, processing chargebacks, exception items, foreign items, adjustments, and returns. - Review cashed check reports and process check exception items, adjustments, and returns as needed. - Process Remote Deposit Capture (RDC), Mobile RDC, X9, and ATM deposits and place holds when required according to bank policy. - File debit card disputes and ensure they are processed in accordance with Regulation E requirements. - Process research requests received from branches and clients in a timely and accurate manner. - Assist with placing cash orders for the bank and clients and enter and review associated system entries. - Assist with internal and external audits and prepare daily and monthly operational reports. Cross-train across data processing functions and provide backup support as needed to ensure operational continuity. - Perform other duties as assigned. Qualifications: - Have at least 1-3 years of banking experience - Are action-oriented, with strong organization skills and attention to detail - Are curious, have humility, are open to learning, and approach your work with a growth mindset - Thrive working in a fluid environment with high autonomy - Display exceptional communication skills while offering client support to internal and external clients - Have strong analytical and problem-solving skills with the ability to make judgments with the information provided What we offer: At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life - Competitive compensation based on experience, geographic location, and role - Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA - Paid parental leave - Flexible vacation policy, including PTO and paid holidays - A fun and challenging team environment in a dynamic industry with ample opportunities for career growth *Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. *Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.