Education and Experience:

• Associate’s degree or equivalent combination of education and work experience. 
• 3+ years of banking or operations experience 

Skills and Abilities:

• Understanding of ACH processing and settlement concepts.
• Accredited ACH Professional (AAP) certification.
• Experience working with ACH processing.
• Experience balancing accounts and performing reconciliation activities.
• Familiarity with correspondent bank and Federal Reserve settlement processes.
• Strong reconciliation and balancing skills
• Understanding of accounting principles and reconciliation methodologies.
• Proficiency in using accounting software and reconciliation tools.
• Excellent attention to detail and accuracy.
• Strong analytical and problem-solving abilities.
• Ability to work within strict processing deadlines.
• Knowledge of ACH settlement processes and funding requirements.
• Ability to investigate and resolve operational exceptions.
• Strong communication and collaboration skills.
• Proficiency with Microsoft Excel and financial reporting tools.
• Ability to manage multiple priorities in a time-sensitive environment.

Tasks Performed:

• 40% - Balance ACH settlement activity to general ledger accounts. Verify accuracy of daily ACH settlement totals. Reconcile ACH settlement differences and resolve balancing exceptions. Process adjustments related to settlement and balancing activities. Research and resolve out-of-balance conditions to ensure accurate financial reporting and settlement integrity.
• 30% - Ensure sufficient funds are available to support ACH Origination activity. Manage file processing exceptions and investigate processing issues. Resolve rejected transactions, suspended files, and processing errors. Administer ACH prefunding requirements for designated Originators. Coordinate issue resolution with internal departments as necessary.
• 15% - Monitor incoming and outgoing ACH files and confirm successful processing. Monitor ACH processing windows and processing schedules. Verify successful file transmissions between internal and external systems. Monitor ACH warehouse activity and ensure timely release of transactions. Monitor Same Day ACH processing windows and related operational requirements.
• 10% - Identify, document, and escalate policy exceptions, Nacha rule violations, operational deficiencies, and emerging ACH risks to management and appropriate governance committees.
• 5% - Other duties as assigned.

Physical Requirements:

• Communicate effectively with internal and/or external customers
• Stationary 75% of the time or greater
• Move objects up to a maximum of 10 lbs

Why Work at NBT

At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community – because your success drives our success. 

Wellbeing 

At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. 

Community Involvement 

NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. 

Culture 

NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. 

Career Development 

Whether you’re just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. 

Total Rewards 

NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way.   

Business Stability 

NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. 

Benefits for Full-Time Employees: 

• Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. 

• Parental Leave: Six weeks of paid leave at 100% of your salary. 

• Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. 

• Dental and Vision Coverage: Ensuring your overall health and well-being. 

• Flexible Spending Accounts: For healthcare and dependent care expenses. 

• Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. 

• Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. 

• Voluntary Benefits: Including hospital, accident, and critical illness coverage. 

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.

• Adoption Assistance: Supporting your growing family. 

• Tuition Reimbursement: Invest in your education and career growth. 

• Employee Assistance Program (EAP): Access to support and resources. 

• Pet Insurance: For all your furry friends.

• Financial and Banking Services: Various banking services benefits and financial planning assistance. 

Benefits for Part-Time Employees Working 20+ Hours/Week: 

• Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. 

• Dental and Vision Coverage: Ensuring your overall health and well-being.

• Voluntary Benefits: Including hospital, accident, and critical illness coverage.

• Generous Parental Leave: Six weeks of paid leave at 100% of your salary. 

Benefits for All Part-Time Employees: 

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future

• Paid Sick and Safe Leave: For your health and safety. 

• Employee Assistance Program (EAP): Access to support and resources. 

• Financial and Banking Services: Various banking services benefits and financial planning assistance.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.