Job Description

Ally and Your Career

Ally Financial only succeeds when its people do - and that's more than some cliche people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You're constantly evolving, so shouldn't your opportunities be, too?

The Opportunity

Payments Analyst - Analyst's responsibility is to support Deposit Operations with the research and processing functions related to ACH, Funds Transfer, RealTime Payments. They will handle outgoing returned items through the Federal Reserve Bank as well as research and resolution related to the external payments system (RealTime Payments).

The Work Itself

Responsible for the daily and ongoing support of new and existing product and service requests including, but not limited to:

* Partner with the Accounting team to resolve outstanding credits/debits related to ACH/Funds Transfer/ RealTime Payments.
* Create customer account adjustments due to processing errors on behalf of our bank or a forward clearing bank.
* Work closely with Disputes and Loss Prevention to process outgoing ACH return items through the Federal Reserve Bank.
* Deal directly with other financial Institutions and the Federal Reserve via phone, email, or letters to resolve any outstanding issues.
* Customer contact regarding sophisticated or detailed explanations and or descriptions of transactions as required.
* Prepare a variety of debit and credit transactions to accomplish necessary corrections or adjustments, prepare reports, perform account maintenance review, review and mail account notices and account statements.
* Ensure that all cases are resolved comply with industry regulations and bank procedures; maintain the department SLAs of the department's case management system and financial controls.
* Provide support and/or direction to our business partners regarding ACH/ Funds Transfer/ RealTime Payments.
* Responsible for: investigate daily incoming ACH/ Funds Transfer/ RealTime Payments inquiries; resolve differences; answer service requests and inquiries received from various channels and departments; determine accounting entries and make appropriate disposition.
* Resolve ACH/ Funds Transfer/ RealTime Payments inquiries within the bank's practices and procedures.
* Perform varied clerical functions requiring research and some analysis requiring some decision-making.
* Review ACH/ Funds Transfer/ RealTime Payments transactions processed by the back office employees to ensure accuracy and make corrections as necessary.
* Correction examples include verification/correction of data, preparation of reports for management, creation and updating information from various sources, reconcilement and resolution of item adjustments or errors.
* Maintain internal operational and financial controls and ensure that they are observed for all assigned cases.
* Assist in analytical accounting support to the internal business partners.
* Assists in the resolution of ACH/ Funds Transfer/ RealTime Payments accounting issues through the appropriate channels.
* Lead and improve the processes around the assigned ACH/ Funds Transfer/ RealTime Payments activities.
* Drive audit compliance within the areas for which you are responsible.
* Contribute to ad hoc analytical projects as vital both within and beyond your primary area of focus.

The Skills You Bring

Type of prior related experience:

* 3 - 5 years of demonstrated ability in electronic banking or related banking experience.
* Knowledge of the ACH, Funds Transfers and RealTime Payments functions and ability to handle more sophisticated cases which require analytical and problem resolution skills.
* Knowledge in FRB Returns processing via FEDLine.
* Familiarity with current banking regulations and NACHA guidelines.
* Quality control and attention to detail - Demonstrate accuracy and thoroughness, and supervise work to ensure quality
* Knowledge of Ally Bank's products, services, and system infrastructure.
* Extensive knowledge and experience meeting service standards.
* Demonstrated experience with Microsoft Office -- PowerPoint, Excel, Word and Visio.

Special skills/abilities/competencies required:

* Accounting Degree preferred.
* General accounting and/or functional skills for area of expertise.
* Preference to lead, empower, train and develop staff versus a punitive "score and report" mentality.
* Ability to collaborate with all levels of management and associates in multiple locations.
* Excellent verbal and strong written communication skills.
* Strong analytical/Investigation skills.
* Ability to raise issues appropriately to Deposit Operations Leadership.
* Ability to create and deliver effective and targeted performance updates on team status monthly and as-needed at Deposit Governance meetings.
* Ability to work in highly-matrixed environment.

How We'll Have Your Back

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally's total compensation -- or total rewards -- extends beyond your paycheck and is designed to support and enrich your personal and professional life, including:

* Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting.
* Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs.
* Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions and a total well-being program that helps you and your family stay on track physically, socially, emotionally and financially.
* Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and child care discounts.
* Work-Life Integration: other benefits including LifeMatters Employee Assistance Program, subsidized and discounted Weight Watchers program and other employee discount programs.

Who We Are

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at work@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.