Research & Exception Analyst

At INTRUST Bank, principles and performance go hand in hand. We hire for character and commitment because we believe a focus on values contributes to a healthy and positive culture where employees are celebrated for their individual potential, unique talents are further developed, and positive relationships are fostered. This philosophy has guided us for more than 140 years, and the tradition continues today.

Job Summary: The Research and Exceptions Analyst performs tasks that are operationally complex and involved with some latitude and decision-making skills. Partners with all areas of the bank to provide support and guidance regarding customer research and exception processing items. Problem solves independently and be able to analyze transactions to determine out of balance discrepancies and implement mitigating risk points. Performs routine various departmental duties and provides backup coverage for multiple functions in the department. Promotes an environment of teamwork within the department and across the bank. Represents INTRUST Bank in all he or she does in the community and is focused on the development of new business relationships. Must maintain strict standards of confidentiality and perform duties in a manner supporting INTRUST’s character qualities.

Essential Functions:

• Responsible for reconciling general ledger accounts, researching and resolving internal and external cash letter adjustments. Responsible for risk management with reconciliations and resolutions.
• Responsible for check clearing settlements with the Federal Reserve and other bank clearing partners. Responsible for risk management with settlements.
• Responsible for analyzing and resolving exceptions and out of balance conditions with bank posting files and end of day balance controls.
• Process incoming check return-chargebacks, overdrafts, non-post and authorization to transfer items, unauthorized ACH disputes, stop payments, account refunds and domestic collections
• Review ACH Fraud through a fraud monitoring application and assist the Account Security department with further action.
• Support Treasury Management customers with the review of positive pay check exception adjustments and returns.
• Process customer garnishments, levies, and government reclamations (deceased report review) and/or make entries to customer’s accounts. Work closely with the Legal department regarding documents related to these processes that require exception review.
• Review and correct customer account discrepancies/adjustments and resolve them between the Federal Reserve Bank and other bank clearing partners.
• Research and process customer statement and image requests as well as verification of deposit requests from external third parties.
• Assist banking centers with teller capture corrections for internal and customer accounts.
• Utilize a non cash teller drawer for scanning daily work and printing cashier checks.
• Assist co-workers with job assignments as needed.

Education and Experience: 2 years banking required; preferred adjustment and/or research experience. Check processing, operations or teller experience is helpful.

Required Skills and Knowledge: Skills required; typing 30-40 wpm, 10-key by touch; knowledge of Microsoft applications, i.e., Word, Excel, Outlook, Access, etc. Must be detail oriented; ability to follow explicit instructions, requires good oral and written communications, and excellent customer service skills. Must be able to analyze transaction audit trails to resolve exceptions in processing inclusive of bank control balancing. Requires the ability to learn and retain guidelines for the following regulations ‘CC’, ‘DD’, ‘E’, ‘J’ and ‘O’.

Required Licenses and/or Certifications: AAP – Accredited ACH Professional and/or NCP – National Check Payments certification may be helpful.

Physical Demands: Extended period(s) of time viewing personal computer, sitting, standing, and walking. Occasional lifting up to 25 lbs. Must be able to hear and speak clearly over the phone and use hands to key information and handle objects.

Working Conditions: Normal office environment.

This job description summary is not intended to be an employment contract, nor is it intended to state or imply these are the only activities to be performed by the employee occupying this position. Employees will be required to follow any other duties as assigned or requested by their supervisor.

INTRUST Financial Corporation and its subsidiaries, including INTRUST Bank, are Equal Opportunity Employers whose policy is not to discriminate unlawfully against any qualified employee or applicant for employment on the basis of protected military or veteran status, disability, race, color, religion, sex, age, national origin, pregnancy, genetic information, sexual orientation, gender identity, or any other classification protected by applicable local, state or federal law; except where an individual’s protected category constitutes a bona fide occupational qualification.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c)