Deposit Operations Representative ACH

Wintrust provides community and commercial banking, specialty finance and wealth management services through its 16 bank charters and nine non-bank businesses. Wintrust delivers the sophisticated solutions of a large bank while staying true to the relationship-focused, personalized service of our community banking roots. We serve clients in all 50 states with more than 200 branch banking locations in Illinois, southwestern Florida, northwestern Indiana, west Michigan and southern Wisconsin and commercial banking offices in Chicago, Denver, Milwaukee, Grand Rapids, Mich., and in key branch banking locations throughout Illinois. Our people are the heart of our business and we are proud to rank consistently as a top place to work. Wintrust is a $66 billion financial institution based in Rosemont, Illinois, and listed on the NASDAQ Global Select Market under the symbol WTFC. Why join us? An award-winning culture! We are rated a Top Workplace by the Chicago Tribune (past 8 years) and Employee Recommended award by the Globe & Mail (past 6 years) Competitive pay and discretionary or incentive bonus eligible Comprehensive benefit package including medical, dental, vision, life, a 401k plan with a generous company match and tuition reimbursement to name a few Family-friendly work hours With 175+ community bank locations, we offer opportunities to grow and develop in your career Promote from within culture Why join this team? Youll work with multiple departments within Wintrust on an on-going basis, meeting amazing people along the way. We strive on teamwork to ensure we all are successful with our daily processes and tasks. Chances to learn and grow through new initiatives and multi-tasking. What You'll Do: The Electronic Services Specialist is responsible for the accurate, timely and efficient processing of RDC transactions, in addition to incoming & outgoing domestic ACH transactions, including, but not limited to, non-post, disputes, suspended files, and research, in accordance with bank policy, directives and procedures. Minimize /eliminates potential loss to Wintrust Financial Banks through understanding of Federal, REG E, and NACHA regulations that govern financial transfer transactions. Monitor, review and process ACH transactions from incoming non-post reports and perform duties as needed to ensure work is processed in a timely, efficient manner and meets all established guidelines. Performs ACH related research and response to internal and external financial transaction inquiries, other department inquires, and various requests that must be addressed in a timely and accurate manner. Perform end of day RDC procedures to ensure successful and accurate closing of banks, for consumer and business remote deposit capture activity. Handle inbound/outbound phone calls as required Monitor status, reset and release of suspended ACH files, and ensure all communications lines are functional and resolved of any problems with appropriate vendors. Implements immediate problem resolution process for system issues. Provides support to other Bank department team members including but not limited to resolving or escalation of issue. Assist with system testing, upgrades & troubleshooting of system issues Regulations that govern ACH and disputed transactions. Qualifications: 1-3 years' banking experience High School Degree or equivalent Excellent customer service and communication skills Ability to work flexible hours, including occasional nights as necessary Team player Basic knowledge of Word and Excel, and computer skills, advanced skills is a plus Excellent attention to detail Experience with FIS Insight and Exceptions Processing, NACHA, Reg E, and Writing Procedures Preferred Benefits: Medical Insurance Dental Vision Life insurance Accidental death and dismemberment Short-term and long term Disability Insurance Parental Leave Employee Assistance Program (EAP) Traditional and Roth 401(k) with company match Flexible Spending Account (FSA) Employee Stock Purchase Plan at 5% discount Critical Illness Insurance Accident Insurance Transportation and Commuting Benefits Banking Benefits Pet Insurance Compensation: The estimated annual salary range for this role is $42,000-$55,000, along with eligibility to earn an annual bonus. Actual salaries may vary based on several factors, such as a candidates qualifications, skills, and experience. #LI-Hybrid From our first day in business, Wintrust has been proud to serve a variety of unique communities and people from all walks of life. To build a company that reflects the communities we serve, we believe that fostering a unique and inclusive workplace where everyone feels valued and empowered to succeed will support our ongoing success. Wintrust Financial Corporation, including community banking and financial services subsidiaries, is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, disability, veteran status, genetic information, and other legally protected categories. Wintrust provides community and commercial banking, specialty finance and wealth management services, delivering the sophisticated solutions of a large bank through a relationship-focused approach built from our community banking roots. Wintrust may collect personal information from you in connection with the application process. Wintrust complies with the California Consumer Privacy Act of 2018, and its policy may be found here Click here for Equal Opportunities.