Job Description

Job Description

Job Description

TITLE: Cash Management & Payment Systems Officer

LOCATION: Headquarters

REPORTS TO: Vice President – Bank Operations

CLASSIFICATION: Full Time, Exempt

PAY GRADE: EX 60 ($67,500 - $106,100 annually)

AVAILABILITY: Monday-Friday 8:30am-5:00pm

Position Summary:

The Cash Management and Payment Systems Officer is responsible for oversight of all daily functions/tasks related to the development, implementation, and delivery of Pioneer’s Cash Management products, including but not limited to ACH Origination, Remote Deposit Capture, and Positive Pay to our business and municipal customers.

Essential Job Functions:

1. Leads the Cash Management team ensuring the required assigned work is completed each day through assignment of tasks, setting deadlines and monitoring progress.
2. Develops and consistently executes coaching strategy with the team in conjunction with the VP—Bank Operations. Mentors, empowers, and develops all members of the management team.
3. Responsible for the development and delivery of payment channels including the functions and features of various payment methods to provide superior service and convenience to our customers.
4. Oversees the onboarding process for all new Business and Municipal Cash Management Clients. Monitor, evaluate and control customer change requests for limits on ACH Origination and RDC transactions and submit them for approval.
5. Ensures tasks related to municipal accounts are completed on a daily basis.
6. Collaborates with Risk Management (BSA and Compliance) in matters as they relate to payment system transactions, including reviewing and evaluating all ACH Origination and RDC onboarding packages, to ensure they contain properly completed Applications & Agreements, Customer Risk Assessments, RDC Site Evaluations, and RDC Self Assessments for completeness and submit to BSA/Risk department prior to new ACH/RDC setup.
7. Facilitates, records and disseminates periodic customer reviews, including but not limited to Payment System review. Evaluates completed periodic reviews for compliance with current ACH/RDC policies and best practices.
8. Participates in joint calls with Business Partners from Commercial Services, Retail branches, Business Banking, and Government Banking.
9. Effective in needs assessment and knowledge of Pioneer’s products, services, and processes to collaborate with other lines of business for recommendations to clients.
10. Prepares various Cash Management reports throughout the calendar year that are presented to the Board of Directors, Executive Team and other lines of business, including but not limited to Annual ACH and Remote Deposit Capture Review and Risk Assessments, and Quarterly Service Charge Reviews.
11. Oversees and coordinates payment services initiatives. Assists in establishing standards, identifying and implementing effective services policies, practices, and procedures across all cash management and payment channels. Works with Deposit Operations Officer and/or VP-Bank Operations to develop, maintain, update, coordinate and manage all procedures and policies regarding adherence to various Banking Regulations as they relate to payment systems.
12. Maintains a focus on the emerging developments, regulatory changes and enhancements in the cash management and payments industry and make recommendations that will allow Pioneer to provide modern, competitive products and services.
13. Provides assistance to the branches and internal departments with matters relating to questions on customer accounts, bank systems, applications, policies, processes and procedures. Acts as support for Business Banking, Municipal Banking and/or Retail Branch network in regard to all Cash Management and Payment Systems Products.
14. Proactively monitors changes to exam requirements/FFIEC guidance as issued and adjusting programs, policies and procedures in a timely manner, as it relates to vendor/product management.
15. Interviews, selects and trains staff in accordance with Pioneer’s EEO/AA commitment. Evaluates performance and makes recommendations for advancement and merit increases. Motivates and counsels assigned staff to increase professionalism, exceed customer service expectations, and encourage professional development.
16. Ensures that department practices comply with Federal and State laws and corporate human resource policies; assists in the development, implementation and administration of human resource policies and programs.
17. Promotes and complies with EEO (Equal Employment Opportunity) and Affirmative Action by identifying problem areas and establishing and meeting goals to eliminate underutilization of females, minorities, individuals with disabilities, disabled veterans, and veterans of the Vietnam era.
18. Develop subordinates and others in Pioneer, when requested, for the purpose of succession planning.

Education & Experience:

1. Bachelor’s Degree or minimum of 5 – 10 years’ experience with banking, network systems preferred.
2. Minimum three years' experience working with payment systems required, preferably within the financial services industry. Five to seven years of related experience in banking and/or bank operations may be substituted for payment systems experience.
3. Knowledge of industry best practices with regards to operations preferred. Expertise with bank operational standards, NYS Banking Law and FDIC regulations a plus.
4. Proven experience evaluating processes and partnering with business leaders.
5. Accredited ACH Professional (AAP) Certification preferred.
6. Experience with basic office automation software, such as Microsoft Word, Excel and Outlook.
7. Must have own transportation or access to reliable transportation and maintain a valid driver's license throughout employment. Must be able to travel on short notice to Pioneer Headquarters and other Pioneer offices.

As an Equal Opportunity / Affirmative Action Employer, Pioneer Bank will not discriminate in its employment practices due to an applicant’s race, color, creed, religion, sex (including pregnancy, childbirth or related medical conditions), sexual orientation, gender identity or expression, transgender status, age, national origin, marital status, citizenship, physical and mental disability, criminal record, genetic information, predisposition or carrier status, status with respect to receiving public assistance, domestic violence victim status, a disabled, special, recently separated, active duty wartime, campaign badge, Armed Forces service medal veteran, or any other characteristics protected under applicable law.

The Company 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.

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