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

The Exceptions Associate role is essential to ensure efficient and timely handling of exception items, ACH rejects, and timely referral of suspicious activity to the Fraud Unit to ensure reduced risk. The Exceptions Associate will also serve as a primary source for kiting alerts.

The Work Itself

* Review and resolve ACH rejected transactions and process exception items within the prescribed timeframes daily.
* Ensure a high level of customer service by contacting the customers regarding overdrawn accounts.
* Process the decision while minimizing risk to Ally Bank and providing a high level of customer service for those instances that warrant an exception.
* Review account activity for excessive deposit and withdrawals relative to kiting.
* Review accounts for excessive Returned Deposited Item activity.
* Handle calls related to ACH transactions.
* Research and resolve ACH issues.
* Communicate daily to primary processing vendor via e-mail to ensure accurate posting of Fraud stopped transactions and suspense.
* Work ACH Suspension Reports daily.
* Perform various clerical and administrative functions.

The Skills You Bring

Type of experience:

* Bachelor Degree or the equivalent combination of education and experience
* Minimum 3 years of demonstrated ability in the field of electronic banking
* Experience working within and across multiple company locations, preferred

Special skills/abilities/competencies required:

* Understanding of core Money Movement processes
* Highly motivated / self-starter, goal-oriented with high passion and energy
* Ability to multi-task and optimally process diverse workloads concurrently
* Knowledge of banking products, services, concepts, rules and regulations
* Strong organizational and time management skills
* Sound analytical and interpretive skills as well as sound judgment and discretion
* Effective interpersonal skills
* Strong written and verbal communication skills
* Flexibility and interpersonal astuteness to respond to a variety of customers' needs and personalities
* Solid understanding and ability to utilize mainframe/pc system
* Proficient with Excel (pivot tables, V lookup, macros) and MS Access

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.