ACH Specialist I - Charleston

Ach Specialist I

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions.

We are committed to helping our team members find their success while maintaining the integrity of our values : building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here!

Shift Schedule

Monday - Friday 9 : 00 am - 6 : 00 pm ET

Essential Functions

• Accurate and timely processing of ACH origination and receipt, supporting the processing of approximately 14 million transactions monthly, involving over 10,000 companies and $18 billion in activity.
• Utilize working knowledge of Nacha Rules, regulatory requirements, and compliance standards including Reg E, UCC4a, Reg CC, and OCC Payment Systems Handbook to limit risk and ensure accuracy.
• Serving as a primary knowledge resource for internal and external customers, providing exceptional customer service.
• Collaborating closely with internal teams and external customers to ensure effective communication, fraud prevention, and risk mitigation.
• Managing daily duties and supporting ACH-related projects such as system conversions and initiatives.
• Coordinating with outside financial institutions to resolve transaction issues per Nacha rules.
• Monitoring reports for duplicates, limit exceptions, and errors, and resolving client origination file issues before cutoffs.
• Utilizing fraud-monitoring tools to research potential origination fraud.
• Identifying higher-risk activities for enhanced monitoring.
• Onboarding new ACH Origination and ACH Positive Pay customers and managing daily exception processing.
• Resolving ACH returns promptly to ensure timely settlement and client notification.
• Reconciling ACH-related general ledger accounts with accounting.
• Managing Treasury Reclamations and Death Notices to meet limited liability requirements and recover funds.

Competencies

Qualifications, Education, and Certification Requirements

Training Requirements / Classes

Physical Demands

Must be able to stand and / or sit for extended period of time. Must be able to effectively access and interpret information on computer screens, documents, and reports.

Work Environment

This position is in an operations support center area with an individual work station / cubicle. This position may be eligible for a hybrid schedule, with permission to work from home on certain days. In order to do so, employee must have a secure home office environment that is free from background noise and distractions. They must also have a reliable private internet connection that is not supplied by use of cellular data (hot spot). Cable or fiber connections are preferred. Requirements are subject to change, as new systems and technology is delivered. Travel may be required to come to meetings as needed.

Equal Opportunity Employer, including disabled / veterans.