Deposit Operations Associate - ACH & Wires Specialist

Company: Citizens Independent Bank
Location: Minneapolis
Posted on: February 16, 2026

Job Description:

Job Description Job Description At Citizens Independent Bank, we believe in the power of community and the importance of building meaningful relationships. Our commitment to providing exceptional customer experiences is at the heart of everything we do, ensuring that every interaction is personal and impactful. We are dedicated to the growth and development of our employees, offering opportunities for training and advancement in a collaborative, supportive environment. If you're passionate about making a difference in your community and helping others thrive, we invite you to explore a role with us. We are seeking a Deposit Operations Associate/ACH and Wire Transfers Specialist. This position requires that the incumbent have strong interpersonal, verbal, and written communication skills. The position requires a self-starter with the ability to exercise independent judgement. The incumbent will be organized and can multi-task with a sense of urgency to ensure critical daily deadlines are met. The incumbent for this position will be the subject matter expert on ACH and Wire Transfer Processing. They will need to have a strong understanding of the ACH Network and be proficient in NACHA Operating Rules and Guidelines. They will also need a well-founded working knowledge of OFAC, and payments travel rules. They are responsible for multiple daily duties related to ACH, including file origination, reclamations, ACH returns, ACH automated transfers and notifications of change. They will need to think critically and understand the high potential of risk within the ACH and wire environment. They will need to be aware of possible Corporate Account Takeover and will understand the processes and procedures designed to mitigate this risk. They will need the ability to solve problems in a quick and efficient manner and be able to identify potential fraud or suspicious activity. This is a full time Monday-Friday position with rotating Saturday morning scheduling located at our Robbinsdale branch. Primary Responsibilities: Serve as subject matter expert on all things related to ACH and Wire Transfers Process ACH transactions, including ACH origination, manual returns, notifications of change, reclamations Stay current on NACHA Rules and integrate them into daily processing Set-up and maintenance of ACH automated transfers Review daily ACH reports and report rules violations Process and balance incoming and outgoing domestic and international wires, ensuring compliance with regulations and maintaining transaction accuracy Additional Responsibilities: Process ACH and wire research requests. Participate in annual ACH audit. Provide Customer Service phone support to customers and staff. Backup Review and verify FinCEN and OFAC reports. Update procedures as needed. Other duties/projects as requested. Qualifications and Attributes: High school diploma or GED Required Minimum of 2 years prior banking experience in a related position AAP certification preferred (Accredited ACH Professional) Prior experience with Jack Henry core banking systems preferred Proficient in Microsoft Office: Word, Excel and Outlook Provide outstanding customer service with a positive attitude Ability to work under pressure Ability to multi-task Ability to easily adapt to changing technological products, features, and procedures within the Financial Industry Must be able to work under time constraints, use good judgement, and act in a tactful, professional manner while dealing with customers and fellow employees Ability to read, write, and understand policy and procedure manuals. Ability to communicate information to managers. Ability to respond to sensitive customer inquiries or complaints. Benefits: People come first - our clients, our employees, our families, our communities Rewarding and challenging work Work-life balance is important We strive to promote from within Employee education and training is vital Full benefits including medical, dental, vision, 401k with generous match, PFML, LTD and STD, employer paid life insurance, paid holidays and half-day off for birthday, and generous PTO allowance. Incentive compensation plan for all employees in bank (if hired by July 1 of that year) Conveniently located in St. Louis Park, Robbinsdale, Hopkins, and Plymouth Work for a community bank with over 75 years of local banking history Opportunity to participate in fun community activities Starting salary range: $27.00 - $32.00 depending on qualifications. Note: Job descriptions are not exhaustive lists of all skills, responsibilities or efforts associated with a job. They reflect principal elements essential for performing the job and evaluating performance. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions of the position. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

Keywords: Citizens Independent Bank, Bloomington , Deposit Operations Associate - ACH & Wires Specialist, Accounting, Auditing , Minneapolis, Minnesota