Treasury Associate

We recognize that in order to meet the needs of our communities, we must represent our communities. Our success relies on creating a culture where we have diverse perspectives and a true sense of belonging. This is a journey, and we pledge to do more than simply check the box.

When you join the Meritrust team, your benefits will include:

• Comprehensive medical insurance plan
• Dental and vision insurance
• Generous paid-time-off
• 12 paid holidays
• Annual bonus (discretionary bonus based on achievement of organizational scorecard results)
• 401(k) plan
• Wellness program
• Tuition assistance
• Employee loan discount
• Employee Assistance Program (EAP)
• Life and disability coverage

What sets working for Meritrust apart?

• Career development and pathing opportunities to move into leadership roles or other lines of business within MCU such as Commercial Lending, Finance, Marketing, Underwriting, Member Solutions, Training, Human Resources, and more.
• Supportive and engaging work environment.
• A wellness and sustainable work culture that puts family, Mother Nature, our community, and your health first.
• A work environment that encourages personal as much as professional growth, teamwork to make the dream work, and treating everyone equally.
• Studies have shown that individuals from marginalized and or historically underrepresented groups may be less likely to apply for jobs unless they meet every one of the qualifications listed. We are most interested in finding the best candidate for the job. We would encourage you to apply for a job at Meritrust Credit Union, even if you don’t meet every one of our qualifications listed.

This is a full-time position working 40 hours a week, Monday-Friday 8:00am - 5:00pm.

POSITION SUMMARY:

The Treasury Associate plays a vital role in delivering exceptional service to business members by assisting with the implementation, maintenance, and troubleshooting of treasury products and services. This position ensures smooth onboarding and ongoing support for solutions such as ACH origination, wire transfers, business remote deposit capture, and fraud prevention tools. Serving as a trusted resource, the associate delivers prompt responses to inquiries, educates members on best practices, manages essential daily operations such as payment processing, and collaborates with internal teams and vendors to resolve issues effectively. The role is focused on building strong relationships with business members while ensuring accuracy, compliance, and operational excellence.

ESSENTIAL FUNCTIONS:

Daily Operations

• Manage end-to-end treasury operations, including ACH and wire processing, Positive Pay exception handling, account reconciliation, and fraud detection.
• Issue timely notifications to members regarding payment status, exceptions, and service updates.
• Perform daily reporting for treasury activities and maintain accurate records.
• Leverage treasury platforms and banking systems to support efficient cash management.
• Manage bank account maintenance, including opening and closing accounts, and processing changes to account details, associated services, or authorized signers.

Billing & Reporting

• Complete end-of-month and first-of-month billing and reporting for all applicable treasury services.
• Manage service fee billing, including posting payments, maintaining accurate records, and verifying fees for correctness and compliance.
• Prepare reports on treasury activity, member usage, and risk metrics for management and board review.

Member Support & Onboarding

• Act as the primary contact for business members utilizing treasury services.
• Assist the Treasury Relationship Manager with onboarding new business members for treasury services, including preparing required documentation and executing the implementation of products and services.
• Provide training and support for ACH, wires, remote deposit capture (RDC), and fraud prevention tools.
• Resolve member inquiries promptly and professionally, coordinating with vendors when necessary.

Compliance & Audit

• Maintain adherence to internal policies, NACHA rules, and regulatory requirements.
• Assist with fraud monitoring and implement security protocols for treasury services.
• Participate in annual audits and ensure documentation is accurate and complete.

Process & Documentation

• Maintain procedures and ensure they are up to date.
• Write and update procedures for treasury operations and member services.
• Ensure all workflows are documented and reflect current practices.
• Collaboration
• Work closely with Business Banking and other departments (Operations, Compliance, IT, Digital) and branches to resolve issues and deliver seamless service.
• Provide training and guidance to branch staff on treasury products and procedures.
• Participate in cross-functional projects to enhance service delivery and operational efficiency.

Professional Development

• Participate in training to maintain knowledge of treasury products, systems, and regulatory requirements.

Additional Responsibilities

• Collaborate closely with Business Banking Specialists and Business Relationship Managers to meet business member needs.
• Ensure service level agreements (SLAs) are met and documentation is accurate and complete.
• Maintain accountability for timely and accurate resolution of service requests.
• Represent the credit union professionally through appearance, communication, and service.
• Adapt to evolving responsibilities and contribute to a dynamic, team-oriented environment.

Education/Certification:

• Associate’s degree in Business, Finance, Business Administration, or related field (Bachelor’s degree preferred)
• Professional certifications such as AAP (Accredited ACH Professional) or CTP (Certified Treasury Professional) are a plus

Required Knowledge:

• Understanding of business banking operations, including ACH, wire transfers, and digital banking systems
• Familiarity with NACHA rules, banking compliance, and financial documentation standards
• Knowledge of credit union or financial institution operations preferred

Experience Required:

• 2–4 years of experience in banking, treasury services, or financial operations
• Experience supporting digital banking platforms and business clients is highly desirable
• Prior experience in a client-facing or technical support role is a plus

HARD/TECHNICAL SKills/Abilities:

• Proficiency in Microsoft Office suite (Excel, Outlook, Word)
• Experience with online banking systems and ach processing platforms
• Strong problem-solving and troubleshooting skills
• Excellent written and verbal communication abilities
• Ability to manage multiple tasks and prioritize in a fast-paced environment
• Willingness to travel locally for member support and training

WORKING CONDITIONS

• Standard office conditions
• Low to moderate noise
• Limited lifting up to 10 lbs.

This description has been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Essential functions, requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

The Credit Union believes that each employee makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities. Therefore, this job description is designed to outline primary duties, qualifications, and job scope, but not limit the incumbent. It is our expectation that each employee will offer his/her services wherever and whenever necessary to ensure the success of our endeavors.