Bulge Bracket Investment Banks

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**Account Specialist II - ACH Reclamations (San Antonio, TX)** Process ACH reclamations for improper federal benefit payments, ensuring accurate and timely customer outcomes. Investigate account activity, apply clear rules, and collaborate with teammates to meet service and quality standards within a bank operations environment. **Key Skills:** - ACH transaction analysis - Detailed research and case management - PC proficiency and multiple system navigation - Strong communication and judgment skills **Required:** - 2+ years in bank ops or relevant experience - Proven analytical and attention to detail skills - Proficiency in MS Office and various web-based systems **Preferred:** - Relevant ACH experience, (e.g., returns, exceptions) - Familiarity with tools like Customer Assist, SBS, OUI, E-Serve

Compensation: Not specified USD
City: San Antonio
Country: United States

Full Job Description

Location: San Antonio, TX, United States

Help deliver an accurate, timely experience for customers while supporting critical government compliance requirements. As an Account Specialist II on the ACH Reclamations team, youll investigate account activity, apply clear rules, and take action to return improper federal benefit payments. Youll 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 recipients 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.

Strong written communication skills, including the ability to document case actions clearly and consistently.

Professional verbal communication skills and ability to collaborate effectively in a team environment.

Ability to manage a heavy workload, prioritize effectively, and meet service level and quality expectations.

Ability to use sound judgment, think critically, and make decisions within established procedures.

Demonstrated reliability, accountability, and punctuality in an in-office/hybrid operating model.

Preferred qualifications, capabilities, and skills

Experience reviewing ACH transactions, returns, or exception processing in an operations environment.

Working knowledge of reclamation-related case research and documentation practices.

Experience supporting more than one CCB Operations Function/Line of Business

Familiarity with tools such as Customer Assist, SBS/Mainframe, OUI, E-Serve, MITS, and LexisNexis (or similar research tools).

Continuous improvement mindset with interest in simplifying processes and reducing defects.

Additional Information

This role is hybrid, with in-office work Monday through Wednesday and the option to work from home Thursday and Friday. You may select one of two schedules: 7:00 AM3:30 PM CST or 7:30 AM4:00 PM CST. Attendance at scheduled training sessions is required, and training hours may differ from your standard schedule.

Review and process ACH reclamations to return improper federal benefit payments and help protect customers and the firm.

Full Job Description