Account Specialist II - ACH Reclamations

Help deliver an accurate, timely experience for customers while supporting critical government compliance requirements.

As an Account Specialist II on the ACH Reclamations team, you'll investigate account activity, apply clear rules, and take action to return improper federal benefit payments.

You'll build deep knowledge of servicing systems and develop your analytical skills as you partner with teammates to meet quality and service standards.

If you enjoy detailed research, problem solving, and continuous improvement, this role offers a strong path for growth.

As an Account Specialist II within the ACH Reclamations team, you will review and process reclamation requests received from the U.S.

Treasury and other government agencies.

You will analyze transaction activity in consumer accounts to identify improper federal benefit payments deposited after a recipient's date of death and complete returns in accordance with Treasury requirements and internal procedures.

You will complete detailed case research, accurately attribute transactions to the correct account owner, and document actions clearly to support quality outcomes.

You will manage a high-volume workload while meeting service level and quality standards and partnering with your team to resolve issues and reduce escalations.

Job responsibilities


* Review and process ACH reclamation cases received from the U.S.

Treasury and government agencies, following established procedures and applicable requirements.


* Analyze historical ACH deposits, returns, and related account activity to identify improper payments and determine funds due for return.


* Perform detailed customer/account research to attribute transactions accurately to the correct account owner and support appropriate case decisions.


* Document findings and actions clearly and consistently to support quality standards and downstream review.


* Navigate multiple systems and tools to research cases, complete processing, and maintain productivity in a fast-paced environment.


* Apply sound judgment and critical thinking to resolve issues within defined guidelines and escalate when required.


* Meet assigned service level and quality expectations by prioritizing tasks, managing workload, and delivering timely case outcomes.


* Partner with teammates and leaders to support consistent processing, share learnings, and improve case handling practices.


* Maintain professionalism, integrity, and accountability while completing work that may impact customers and firm risk outcomes.

Required qualifications, capabilities, and skills


* Minimum 2 years of experience in bank operations or a comparable financial services operations environment.


* Strong analytical skills and attention to detail, with the ability to review transaction history and identify discrepancies.


* Proficiency with PCs and MS Office, plus the ability to learn and use multiple web-based and internal systems.


* Str...