As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Job Description:

The ACH Specialist I performs various duties and responsibilities such as validation and authentication for all ACH files, handling posting exceptions, processing adjustments, and providing customer support and research. Tasks are performed independently or with the assistance of more experienced staff. Work is performed according to standard policies and procedures and according to applicable regulatory guidelines.

Location: Lewiston, ME or Lexington, SC -- must live within a commutable distance from on of the hubs.

Hours: M-F; 1:30 pm - 10 pm.

Depth & Scope:

• Develops a basic understanding of the ACH function by following procedures and receiving guidance and training from more experienced staff
• Completes routine ACH exception handling related to file processing, transaction posting, and adjustments
• Processes paperwork received from internal customers / business lines or units to ensure accuracy and completeness; May research basic issues to determine best course for resolution; Manages a high volume of inbound /outbound customer transactions & files and reconciles Federal Reserve files daily
• Responds to basic inquiries and issues from customers and internal units; May perform preliminary research on suspicious items with Team Lead or more experienced team members to help prevent fraudulent activities; Maintains positive relationships with customers
• Successfully completes all required online training and follows all department procedures resulting in effective compliance for all job-relevant State and adheres to Federal regulations & industry rules (NACHA) including, but not limited to Employee policies, procedures, CRA EEO/ AA, as well as all job relevant Risk Management and Corporate standard
• Completes basic entries into general ledger related to paperwork and information processed; Reconciles general ledger entries and researches more routine discrepancies to resolution; Follows up with appropriate personnel to correct posting errors
• May proactively contact internal customers & business lines and at times external customers to provide resolution and explanation of bank initiated account activity ensuring superior customer service; Follows up with internal customers / business lines to resolve discrepancies and customer issues as needed
• Develops a familiarity and understanding of the ACH systems, regulations and processes including Commercial, Small Business & other non- retail internet ACH related processing, maintenance or exception handling and Reg E disputes
• Provides the highest level of Customer service when dealing with internal partners, vendors or our Customers - WOW at every opportunity

Experience:

• High School Diploma or GED
• 1+ years related experience
• Basic computer literacy and proficiency in common PC applications is required
• Knowledge of Payment Services policies and procedures or other relevant banking operations experience is preferred
• Ability to prioritize and strong organizational skills
• Customer service skills
• Good written and verbal communication skills
• Ability to multi-task, handle and manage a high volume of inbound customer files, as well as, reconciles Federal Reserve files daily
• Ability to work well under pressure while maintaining strong attention to detail
• Banking experience preferred
• ACH experience preferred

Physical Requirements:

Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%

• Domestic Travel - Occasional
• International Travel - Never
• Performing sedentary work - Continuous
• Performing multiple tasks - Continuous
• Operating standard office equipment - Continuous
• Responding quickly to sounds - Occasional
• Sitting - Continuous
• Standing - Occasional
• Walking - Occasional
• Moving safely in confined spaces - Occasional
• Lifting/Carrying (under 25 lbs.) - Occasional
• Lifting/Carrying (over 25 lbs.) - Never
• Squatting - Occasional
• Bending - Occasional
• Kneeling - Never
• Crawling - Never
• Climbing - Never
• Reaching overhead - Never
• Reaching forward - Occasional
• Pushing - Never
• Pulling - Never
• Twisting - Never
• Concentrating for long periods of time - Continuous
• Applying common sense to deal with problems involving standardized situations - Continuous
• Reading, writing and comprehending instructions - Continuous
• Adding, subtracting, multiplying and dividing - Continuous

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

Who We Are

TD Securities offers a wide range of capital markets products and services to corporate, government, and institutional clients who choose us for our innovation, execution, and experience. With more than 6,500 professionals operating out of 40 cities across the globe, we help clients meet their needs today and prepare for tomorrow. Our services include underwriting and distributing new issues, providing trusted advice and industry-leading insight, extending access to global markets, and delivering integrated transaction banking solutions. In 2023, we acquired Cowen Inc., offering our clients access to a premier U.S. equities business and highly-diverse equity research franchise, while growing our strong, diversified investment bank. We are growth-oriented, people-focused, and community-minded. As a team, we work to deliver value for our clients every day.

Our Total Rewards Package
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well-being goals. Total Rewards at TD includes base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Learn more

Additional Information:
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.

Training & Onboarding
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.

Interview Process
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.

Accommodation

If you are an applicant with a disability and need accommodations to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com. Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.