Analyst

We are looking for an ACH Analyst to join our team in Memphis, Tennessee, supporting compliance oversight, audit activities, and transaction review efforts. This role works across operational, technical, and business functions to help maintain accurate documentation, monitor adherence to applicable rules, and strengthen internal controls. The ideal candidate brings early-career experience in banking, compliance, or payment operations, along with strong attention to detail and a willingness to build expertise in regulatory processes.

Responsibilities:

Manage ACH origination activities and monitor related compliance.

Balance bank cash, cash letters, and bank funds on a daily basis.

Process collection items, stop payments, ACH returns, overdrafts, adjustments, and chargebacks.

Support customer service needs related to deposit operations, online banking, mobile banking, and debit card activity.

Open new deposit accounts and handle special item processing as needed.

Perform daily and monthly reconciliations.

Process garnishments and Reg D letters in accordance with Legal and Compliance direction.

Review deposit maintenance reports, including dormant accounts and large-dollar items.

Monitor deposit-related retention requirements and regulatory compliance.

Support year-end processing and ensure adherence to applicable banking regulations.

Assist Bank Operations and Branch Administration with operational needs and additional duties as assigned.