EFT Risk Specialist (Remote)

The EFT Investigations team is responsible for ensuring the accuracy, timeliness, and integrity of ACH-related transactions and resolutions. Every day will bring a variety of requests including processing settlements, handling disputes, investigating and resolving client inquiries.

As the Operations Specialist, you will work closely with both external clients and internal teams on ACH-related items and serving as a trusted problem-solver who can pivot quickly when priorities shift.  Your keen attention to detail will help safeguard transaction accuracy, maintain precise records, and ensure compliance with regulatory and operational standards.  You will be the eyes and ears for leadership, keeping them informed of emerging issues, trends, and potential risks. In this role, adaptability, clear communication, and a commitment to delivering exceptional service will be key to your success.  This is a subset of the overall responsibilities which will include multiple initiatives assigned by Bank Operations leadership. 

This role is fully remote.  The work schedule is 11:00 – 8:00 PM CST (1-hr lunch) or 11:30 – 8:00 PM CST (30-min lunch).  However, the work schedule during the initial training period (approximately 30-60 days) is 8:30 – 5:00 PM CST.

How you will spend your time:

• Manage a shared inbox to ensure timely and accurate handling of incoming communications, coordinating with relevant teams to resolve issues promptly.
• Investigate ACH-related disputes and communicate outcomes to applicable parties.
• Process Treasury reclamations by reviewing documentation, coordinating with internal and external stakeholders, and following established procedures.
• Investigate payment issues involving ACH and instant payment systems, identify root causes, document findings, and work with appropriate groups to resolve inquiries.
• Process ACH returns for internal and external partners.
• Handle incoming calls regarding ACH related matters.

We are excited to talk if you have:

• At least 5 years of experience in banking or financial processing.

• Strong attention to detail, organization, and time management skills allowing to perform job functions with numerous interruptions.
• Solid technical aptitude to quickly learn company systems, platforms, and products.
• Knowledge of risk types and ability to mitigate independently or escalate appropriately.
• Strong customer service skills.
• Successfully recognize errors, issues, special requests, or inconsistencies in daily operations to solve or escalate to appropriate associate or manager.
• Utilize your technical aptitude allowing for learning of company systems, platforms, and products quickly.

Bonus Points if you have:

• Understand processes end-to-end and cross-functional work with other operational units.
• Familiarity with one or more specific bank operations functions, including but not limited to ACH, Wires, Deposit Operations.

Applicants must have legal authority to work in the United States.  Work Visa sponsorship is not available for this position.

Compensation Range:

The posted compensation range on this listing represents UMB’s good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. Please see the description of benefits included with this job posting for additional information.

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

Are you ready to be part of something more?
You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

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