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Operations Data Processing Specialist

First National Bank North
2 days ago
Full-time
On-site
Pequot Lakes, Minnesota, United States

Operations Data Processing Specialist

Company Overview

First National Bank North is a locally owned community bank committed to delivering exceptional service to our customers and community. We are looking for fun, outgoing, and detail-oriented individuals who are passionate about customer service and operational excellence.

Position Summary

The Operations Data Processing Specialist supports the bank’s daily payment operations by accurately processing ACH transactions, check items, and other payment-related data. This role ensures timely, compliant, and accurate handling of financial transactions while maintaining data integrity and supporting operational efficiency.

Schedule

  • Flexible shifts Monday through Friday
  • Two Saturday mornings per month
  • No Sundays


Key Responsibilities

  • Process daily ACH files (origination and receipt), including batch verification, balancing, and release
  • Review and process incoming and outgoing payments (ACH, wires, internal transfers)
  • Process check transactions including RDC (remote deposit capture), branch capture, and exception items
  • Perform item review and exception handling (returns, NOCs, rejected items, duplicate detection)
  • Balance daily transaction totals and reconcile discrepancies
  • Validate transaction data for accuracy, completeness, and compliance with NACHA and bank policies
  • Monitor processing queues to ensure transactions meet strict deadlines and cutoff times
  • Research and resolve customer and internal inquiries related to payments and transactions


Required Qualifications

  • 2+ years of experience in banking operations, payments processing, or back-office support
  • Working knowledge of ACH processing, check clearing, and payment systems
  • Familiarity with NACHA rules and banking regulations (Reg CC, UCC basics preferred)
  • Strong attention to detail and accuracy in a high-volume environment
  • Proficiency in Microsoft Excel and core banking systems
  • Ability to meet strict deadlines in a time-sensitive processing environment


Preferred Qualifications

  • Experience with Federal Reserve systems, core processing platforms, or item processing systems
  • Knowledge of wire processing and OFAC screening
  • Experience with Positive Pay, RDC platforms, or treasury services
  • Exposure to fraud detection tools and risk monitoring systems
  • Familiarity with automation tools (e.g., Power Automate)


Key Competencies

  • Strong data accuracy and attention to detail
  • Analytical thinking and problem-solving skills
  • Effective time management and ability to meet cutoff deadlines
  • Risk awareness and compliance focus
  • Strong communication and teamwork skills


Equal Opportunity Employer Statement

First National Bank North is an Equal Opportunity Employer of women, minorities, protected veterans, and individuals with disabilities.

Call to Action

Apply now — we would love to meet you!