New

Electronic Payments Representative (ACH)

Old Second National Bank
United States, Illinois, Aurora
37 South River Street (Show on map)
Nov 20, 2025
Who We Are At Old Second, you're first! For more than 150 years, Old Second has consistently put businesses and individuals throughout the Chicago area first, and we're only getting started. With great employees we've grown from a single location in the back of a general store to 50 locations and over $6 billion dollars in assets. At Old Second we embrace values that foster an environment of community and growth. Recently, we've been voted a Forbes Best-In-State Bank for Illinois by our customers. Be a part of something big as we continue our growth story together! Move your career forward at Old Second. Position Overview The Electronic Payments Representative (ACH) position is responsible for the processing of ACH services and/or daily Wire Transfers as part of the Electronic Payments processing area. Essential Job Functions Primary duties will focus on ACH services, with backup to Wire Transfer activities occurring on an as-needed basis. Perform all ACH activities daily, ensuring timely completion. Upload all ACH files received via FED and other channels to the Bank's core system for processing. Process all work, verifying file totals to ensure proper posting. Memo post all ACH activity received daily. Run daily ACH reports prior to pulling Origination to monitor customer account balances vs collected funds. Contact Bank Account Officers as needed for approval of negative (collected balance) money positions to minimize the Bank's risk exposure. Handle all customer-initiated changes/inquiries to processed files, maintaining appropriate records for Audit purposes and ensuring timely posting of tickets. Send notices to applicable Originators of returned transactions and Notifications of Change (NOCs). Perform end of day ACH processing routine. Process all Reg E/Remittance claims, complying with regulatory rules and timeframes. Balance all ACH related general ledger accounts including discrepancy resolution and reporting of money position to accounting. Work with the BSA and Fraud departments as needed. Review OFAC queues ensuring compliance with regulatory requirements. Process ACH filters and exceptions. Remain knowledgeable and comply with all regulations concerning ACH. Minimum Requirements High school diploma and one or more years of banking experience; or equivalent combination of education and experience. Competencies Strong communication skills (verbal/written) Ability to work well with others Strong computer proficiency Excellent attention to detail and organizational skills Preferred, but not required Electronic Payments experience Accredited ACH Professional (AAP) certification preferred Location Details This position requires the incumbent to work onsite at the Aurora, IL (37 S. River Street) office on a daily basis to perform the regular responsibilities of the role. Compensation & Benefits Base pay: $20.10 - $26.35/hour Old Second is committed to fair and equitable pay practices. Pay is dependent upon the pay range and the incumbent's knowledge, skills and experience. Benefits: How We Support You - Old Second Thanks for considering Old Second!