ACH Compliance Specialist (Remote eligible - AZ, FL, KS, MO, NM, NV, TX)

at  Enterprise Bank Trust

Enterprise Bank & Trust was founded in the spirit of entrepreneurship and community. From the small mom-and-pop coffee shop to the large construction company that employs local people, our goal is to help businesses succeed and our communities thrive. With offices in Missouri, Kansas , Arizona, California, New Mexico and Nevada, we’re strong, growing and committed to supporting the communities we serve. We extend this commitment to the community to our associates, offering annual paid volunteer time off and charitable-matching opportunities. Voted A Best Bank to Work For by American Banker for multiple years, we offer our associates an array of benefits and the opportunity to chart their own career path with us. Join us in the pursuit of our mission to guide people to a lifetime of financial success, and enjoy a career filled with professional growth opportunities, interesting colleagues and the satisfaction of supporting our communities. Together, there’s no stopping you.
ACH Compliance Specialist (Remote eligible - AZ, FL, KS, MO, NM, NV, TX)
Job Description

Essential Duties and Responsibilities:

• Create and complete periodic reviews and due diligence/risk assessments as they are scheduled
• Evaluate the on-boarding of all new ACH Originators and obtain the necessary approvals
• Maintain statistics on both the review and risk assessment service
• Schedule and complete on-site visits and due diligence review for new and existing Third Party Senders and high-risk ACH Originators; as needed
• Write-up and maintain results to be reviewed by Management and Compliance
• Perform testing of transactions, procedures, policies and other set criteria for ACH Originators; as needed
• Responsible for ongoing monitoring and reporting of ACH usage and return thresholds
• Troubleshoot and research ACH formatting issues related to ACH Originator errors
• Work directly with ACH Originators as needed
• Generate and distribute periodic trending, tracking, and reporting as assigned
• Understand and actively ensure compliance with the Bank’s Business Standards of Conduct and all Patriot Act, CIP, Anti-Money Laundering, Bank Secrecy Act, Information Security and Suspicious Activity reporting requirements, Regulation E, NACHA ACH Rules, OFAC and other regulatory and compliance policies and procedures
• Assists in audits and examinations
• Perform additional duties, including miscellaneous projects, as assigned by Management
• Work as a back-up for the daily processing of ACH transactions

Qualifications:

• ACH network knowledge and Accredited ACH Professional (AAP) preferred Payment risk knowledge and Accredited Payments Risk Professional (APRP) preferred
• Must possess valid driver’s license
• Able to deal effectively with a variety of people and personalities; strong collaboration skills; able to build strong business relationships
• Excellent writing, grammatical and editing skills to write detailed, professional due diligence results, policies, and procedures
• Understand and display high levels of internal and external customer service
• Able to work a flexible work schedule, including overtime and long hours as required
• Self-motivated, fast learner, shows initiative
• Possess thorough, organized and detail-oriented approach to work; dependable; manage time and deadlines effectively
• Make decisions within the scope of job responsibilities independently, requiring minimal supervision
• Demonstrate flexibility, versatility, commitment, and good judgment
• Working knowledge of Microsoft Word, Excel, Google Docs, Google Mail, Salesforce ERM, PowerPoint

Education and/or Experience:

• High School Diploma or GED required
• Associates degree preferable
• Minimum or two years of banking operations or compliance/audit experience
• Knowledge of NACHA Rules and Regulations

Computer and Software Skills:

• Google Mail and Apps
• Salesforce

Certificates, Licenses and Registrations:

• Accredited ACH Professional (AAP) preferred
• Accredited Payments Risk Professional (APRP) preferred

Supervisory Responsibilities:

• None

Equal Opportunity Statement
Enterprise Bank & Trust is committed to helping individuals with disabilities participate in the workforce and ensuring equal opportunity to apply and compete for jobs. If you need an accommodation in order to apply for a position at Enterprise Bank & Trust please contact Human Resources at
hr@enterprisebank.com
.
Enterprise Bank & Trust is committed to managing our business and community relationships in ways that positively impact our associates, clients, and the diverse communities where we work and live. We are proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, national origin, sexual orientation, gender identity or protected veteran status and will not be discriminated against on the basis of disability. All employment offers are contingent upon the applicant successfully completing both drug and background check screenings. If you would like more information about your EEO rights as an applicant under the law, please download the Equal Employment Opportunity is the Law poster

Essential Duties and Responsibilities:

• Create and complete periodic reviews and due diligence/risk assessments as they are scheduled
• Evaluate the on-boarding of all new ACH Originators and obtain the necessary approvals
• Maintain statistics on both the review and risk assessment service
• Schedule and complete on-site visits and due diligence review for new and existing Third Party Senders and high-risk ACH Originators; as needed
• Write-up and maintain results to be reviewed by Management and Compliance
• Perform testing of transactions, procedures, policies and other set criteria for ACH Originators; as needed
• Responsible for ongoing monitoring and reporting of ACH usage and return thresholds
• Troubleshoot and research ACH formatting issues related to ACH Originator errors
• Work directly with ACH Originators as needed
• Generate and distribute periodic trending, tracking, and reporting as assigned
• Understand and actively ensure compliance with the Bank’s Business Standards of Conduct and all Patriot Act, CIP, Anti-Money Laundering, Bank Secrecy Act, Information Security and Suspicious Activity reporting requirements, Regulation E, NACHA ACH Rules, OFAC and other regulatory and compliance policies and procedures
• Assists in audits and examinations
• Perform additional duties, including miscellaneous projects, as assigned by Management
• Work as a back-up for the daily processing of ACH transaction