ACH Analyst , Treasury

What We Do

At Card Works, we aim to help people connect with possibility and opportunity using our financial servicing expertise. Building meaningful, long-term relationships with consumers, our employees, and our clients is what matters most.

Card Works, Inc. is a diversified consumer finance service provider and parent company of Card Works Servicing, LLC, Merrick Bank and Carson Smithfield, LLC.

Card Works Servicing, LLC provides end-to-end operational servicing functions for credit cards, secured cards, and installment loans. We service consumer and small business loans across the credit spectrum and offer backup servicing and due diligence services to capital providers and trustees.

Merrick Bank is an FDIC-insured Utah Industrial Loan Bank. Merrick operates three main business lines: credit cards, recreational lending, and merchant services.

Carson Smithfield, LLC provides a variety of post-charge-off debt recovery services, including digital self-service, IVR, live agent, and external agency management.

Receives and processes faxes related to late ACH returns. Process daily files and transactions utilizing Fed Line Advantage, ACHPlus, and OriGNet software. Verifies billing logs and payment activity. Answer ACH questions for customers and employees, and ensure compliance with internal policies and procedures and Nacha Rules and Regulations. Provide timely and effective backup for all ACH functions as required.

• Responsible for receiving and processing faxes. Provides authorizations and late return approvals to requesting banks in a timely manner.
• Responsible for verifying logs to ensure accurate payment postings and billing.
• Responsible for originating, receiving, processing, and reconciling ACH transaction activity. Ensure accurate and timely posting to customer accounts and DDA system. Validate and balance ACH posting to the Federal Reserve account.
• Recommends changes to departmental policies and procedures. Assists with updating procedures as needed.
• Other duties as assigned.

• Responsible for complying with all of the Bank’s internal control policies and procedures.
• Responsible for understanding and complying with all laws and regulations to which the Bank is subject.
• Responsible for communicating problems in operations, noncompliance with the code of conduct, noncompliance with laws and regulations, policy violations, or illegal acts.

• Associate’s Degree in Accounting, Business Administration, or Finance is required, two (2) years’ equivalent experience accepted in lieu of education requirement.
• Two (2) years of progressively responsible experience in the financial services industry either in payment processing or treasury functions.

• Experience with, and demonstrated skill at, Microsoft Excel and Outlook.
• Ability to identify and solve practical problems with little or no supervision.
• Ability to work accurately with strong attention to detail.
• Responsible, flexible individual with strong mathematical and analytical skills.
• Communicates effectively both orally and in writing; presents ideas in a clear, concise, understandable and organized manner.

• Competitive Pay, including a Bonus Target or Variable Pay Incentive Program
• Benefits Package - Medical, Dental, and Vision (plus much more)
• 401(k) Plan with Company Match
• Short- & Long-Term Disability
• Wellness Programs
• Group Life and AD&D Insurance
• Paid Vacation, Sick Days and bank Holidays
• Employee Engagement Activities including Employee Appreciation Day, DEI Employee Resource Groups, Corporate Social Responsibility, Service Recognition

We offer a total rewards package comprised of a competitive base rate of pay, variable pay incentive programs based on the role, and a comprehensive benefit suite. Offered rates of pay are determined based on job-related knowledge, relevant experience, skills, certifications, and geographic location.

We are an equal opportunity employer, and we evaluate qualified applicants without regard to race, color, religion, sex, national origin, disability, veteran status or any other legally protected characteristic. We will conduct a thorough background check for all hires in compliance with applicable laws.