Hybrid Support Service Representative - ACH Processor - Espanola, NM

The ACH Processor is responsible for the accurate and timely processing of Automated Clearing House (ACH) transactions, ensuring compliance with regulatory requirements and internal controls. This role supports daily ACH operations by managing file processing, resolving exceptions, and collaborating across departments to maintain the integrity of electronic payments. The ACH Processor delivers high-quality service to both members and internal teams while monitoring for discrepancies, fraud risk, and settlement accuracy, contributing to efficient and compliant payment operations.

Join Our Team at Del Norte Credit Union!
We’re more than a financial institution, we’re a community. Guided by our mission of Improving Lives and vision of being Authentically New Mexico, we embrace Del Norteño Pride, reflecting our commitment to community, culture, and connection. Proudly recognized as a Platinum-Level Family Friendly Business, we are committed to People Focus, Collaboration, and Continuous Learning.

Location: 

Espanola, NM.  Hybrid work is possible with approval from supervisor and will be subject to change based on the needs of the organization or department.

Essential Functions & Responsibilities:

• Research and resolve ACH exceptions, including returns, Notifications of Change (NOCs), unauthorized transactions, and discrepancies in a timely and accurate manner.
• Review, upload, and process incoming and outgoing ACH files in accordance with established schedules, ensuring proper settlement balancing and prompt resolution of variances.
• Provide responsive support to members and internal teams regarding ACH transactions, disputes, and account inquiries, promoting a high level of service.
• Collaborate with Deposit Operations, Accounting, Fraud, and branch teams to ensure accurate processing, reconciliation, and issue resolution across payment channels.
• Ensure compliance with NACHA Operating Rules, Regulation E, OFAC requirements, and internal controls; monitor daily reports and escalate suspicious or potentially fraudulent activity.
• Maintain accurate documentation of ACH activity, decisions, and communications to support audit readiness and regulatory reporting; respond to internal and external audit requests as needed.
• Participate in system testing, process improvements, and workflow enhancements to increase efficiency, accuracy, and scalability of ACH operations.
• Cross-train and provide support across Deposit Operations functions, including share draft processing, chargebacks, foreign items, shared branching adjustments, ACH origination, and SSA verification

Salary

Starting pay: $22.08 – $27.60 hourly, based on qualifications, internal equity, and budget.

Performance Measurements:

1. Competencies:
People Focus - Level 1(Core)

Collaborating with Others - Level 1 (Core)

Continuous Learning - Level 1(Core)

Attention to Detail - Level 2 (Job-specific)

Adaptability - Level 1 (Job-specific)

Analytical Thinking - Level 2 (Job-specific)

Problem Solving - Level 2 (Job-specific)

Planning and Organizing - Level 1 (Job-specific)

Benefits:

• Medical, Dental, and Vision Insurance with Del Norte covering up to 85% of employee insurance premiums
• Flexible Spending Account
• 401(k) with up to a 7.5% company match
• Company-paid Life Insurance and Disability coverage for eligible employees
• Generous PTO, sick leave, paid holidays, volunteer hours, and Mental Health Days
• Employee Assistance Program with free counseling resources
• Tuition reimbursement
• Wellness benefits including a free gym membership
• Employee loan and banking discounts
• Flexible Spending Account
• Ongoing learning and development opportunities.
• Spanish Speaking Incentive