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Analyst, AA Credit Union Payments Processing and Deposit Risk

Analyst, AA Credit Union Payments Processing and Deposit Risk

Date:  Sep 20, 2022

Location: AAFCU Headquarters (DFW-AACU)   
Additional Locations: None
Requisition ID: 63052 


Are you ready to explore a world of possibilities, both at work and during your time off? Join our American Airlines family, and you’ll travel the world, grow your expertise and become the best version of you. As you embark on a new journey, you’ll tackle challenges with flexibility and grace, learning new skills and advancing your career while having the time of your life. Feel free to enrich both your personal and work life and hop on board!

Why you'll love this job

This job is a member of the Payments and Digital Strategy Team within the American Airlines Credit Union. The role is responsible for identifying and managing risk for all of the Credit Union's deposit risk channels, online transactions, ACH and wires, and the administration of Business ACH origination functions.

What you'll do

  • Develop logical recommendations related to reporting, process improvements, Policy & Procedure refinements, maintaining compliance with applicable rules and regulations, including identifying/implementing solutions to newly-introduced NACHA rules
  • Identify, assess, and partner with Payments leadership and other areas of the credit union to mitigate risk across ACH, wires, deposit channels and online banking originated transactions
  • Analyze and assess impact of the on-going changes with the Federal Reserve’s Faster Payments initiatives and amendments to the NACHA rules
  • Validate and reconcile the interbank fee received on same-day ACH transactions
  • Answer ACH regulatory or operational questions for the team or management
  • Assist with Fraud and Compliance issues as well as preparing for and assisting with the Annual ACH/Wire Audit and Annual Vendor Due Diligence Financial documents
  • Provide back-up support for the Checking/Payments Processing Supervisor and the Payments Processing Analyst, including the daily reconciliation of Payments Processing general ledger suspense accounts and correcting ACH outages on the Federal Reserve Bank account
  • Analyze and assess impacts and seize opportunities to monetize Same Day ACH for the organization
  • Manage online banking external account and online transaction fraud control by using tools provided and reviewing and continually assessing risk related to external account transfers, domestic wire and corporate ACH files originated via the Online Banking platform
  • Identify process improvements to ensure the ACH exception volume is maintained at a manageable level regardless of transaction volumes or advances in digital banking payment options
  • Perform other duties as assigned
  • The selected candidate will be responsible for ensuring the security and confidentiality of all account and related information which is part of their work and for ensuring that his/her work is in compliance with all applicable laws and regulations including, but not limited to, the Bank Secrecy Act

All you'll need for success

Minimum Qualifications- Education & Prior Job Experience

  • High School diploma or GED equivalent

Preferred Qualifications- Education & Prior Job Experience

  • Bachelor's degree in Accounting or Business
  • Previous banking or Credit Union experience
  • Experience in Payments Processing areas such as ACH/Share drafts exception processing, online and mobile payments including Bill Pay
  • Accredited ACH Professional (AAP) Designation

Skills, Licenses & Certifications

  • Skilled in Microsoft Office software (e.g., Word, Excel, Access, PowerPoint) gained through either work experience with the software or education and hands-on use of the software
  • Skilled in Profitstars ACH applications, Symitar's Epysis, Q2eBanking, Ensenta, Compass and Partnercare
  • Ability to demonstrate excellent analytical skills with the ability to research and analyze data with little guidance
  • Ability to work well independently as well as in a team environment under tight deadlines and high-volume pressure with minimal supervision
  • Ability to be self-directed and comfortable with accepting ownership, responsibility and accountability of functional obligations
  • Ability to self-motivate with strong organization skills, capacity for attention to detail and high level of accuracy
  • Ability to effectively prioritize work and meet deadlines
  • Ability to maintain satisfactory performance and attendance
  • Ability to pass applicable American Airlines and Credit Union pre-hire compliance checks

What you'll get

Feel free to take advantage of all that American Airlines has to offer:

  • Travel Perks: Ready to explore the world? You, your family and your friends can reach 365 destinations on more than 6,800 daily flights across our global network.
  • Health Benefits: On day one, you’ll have access to your health, dental, prescription and vision benefits to help you stay well. And that’s just the start, we also offer virtual doctor visits, flexible spending accounts and more.
  • Wellness Programs: We want you to be the best version of yourself – that’s why our wellness programs provide you with all the right tools, resources and support you need.
  • 401(k) Program: Available upon hire and, depending on the workgroup, employer contributions to your 401(k) program are available after one year.
  • Additional Benefits: Other great benefits include our Employee Assistance Program, pet insurance and discounts on hotels, cars, cruises and more.

Feel Free to be yourself at American

From the team members we hire to the customers we serve, inclusion and diversity are the foundation of the dynamic workforce at American Airlines. Our 20+ Employee Business Resource Groups are focused on connecting our team members to our customers, suppliers, communities and shareholders, helping team members reach their full potential and creating an inclusive work environment to meet and exceed the needs of our diverse world.

Are you ready to feel a tremendous sense of pride and satisfaction as you do your part to keep the largest airline in the world running smoothly as we care for people on life’s journey? Feel free to be yourself at American.

Additional Locations: None
Requisition ID: 63052 

Nearest Major Market: Dallas
Nearest Secondary Market: Fort Worth

Job Segment: Bank, Banking, Credit Union, Accounting, Credit Analyst, Finance

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