Help deliver an accurate, timely experience for customers while supporting critical government compliance requirements. As an Account Specialist II on the ACH Reclamations team, you’ll investigate account activity, apply clear rules, and take action to return improper federal benefit payments. You’ll build deep knowledge of servicing systems and develop your analytical skills as you partner with teammates to meet quality and service standards. If you enjoy detailed research, problem solving, and continuous improvement, this role offers a strong path for growth.

As an Account Specialist II within the ACH Reclamations team, you will review and process reclamation requests received from the U.S. Treasury and other government agencies. You will analyze transaction activity in consumer accounts to identify improper federal benefit payments deposited after a recipient’s date of death and complete returns in accordance with Treasury requirements and internal procedures. You will complete detailed case research, accurately attribute transactions to the correct account owner, and document actions clearly to support quality outcomes. You will manage a high-volume workload while meeting service level and quality standards and partnering with your team to resolve issues and reduce escalations.

Job responsibilities

• Review and process ACH reclamation cases received from the U.S. Treasury and government agencies, following established procedures and applicable requirements.

• Analyze historical ACH deposits, returns, and related account activity to identify improper payments and determine funds due for return.

• Perform detailed customer/account research to attribute transactions accurately to the correct account owner and support appropriate case decisions.

• Document findings and actions clearly and consistently to support quality standards and downstream review.

• Navigate multiple systems and tools to research cases, complete processing, and maintain productivity in a fast-paced environment.

• Apply sound judgment and critical thinking to resolve issues within defined guidelines and escalate when required.

• Meet assigned service level and quality expectations by prioritizing tasks, managing workload, and delivering timely case outcomes.

• Partner with teammates and leaders to support consistent processing, share learnings, and improve case handling practices.

• Maintain professionalism, integrity, and accountability while completing work that may impact customers and firm risk outcomes.

Required qualifications, capabilities, and skills

• Minimum 2 years of experience in bank operations or a comparable financial services operations environment.

• Strong analytical skills and attention to detail, with the ability to review transaction history and identify discrepancies.

• Proficiency with PCs and MS Office, plus the ability to learn and use multiple web-based and internal systems.

• Strong written communication skills, including the ability to document case actions clearly and consistently.

• Professional verbal communication skills and ability to collaborate effectively in a team environment.

• Ability to manage a heavy workload, prioritize effectively, and meet service level and quality expectations.

• Ability to use sound judgment, think critically, and make decisions within established procedures.

• Demonstrated reliability, accountability, and punctuality in an in-office/hybrid operating model.

Preferred qualifications, capabilities, and skills

• Experience reviewing ACH transactions, returns, or exception processing in an operations environment.

• Working knowledge of reclamation-related case research and documentation practices.

• Experience supporting more than one CCB Operations Function/Line of Business

• Familiarity with tools such as Customer Assist, SBS/Mainframe, OUI, E-Serve, MITS, and LexisNexis (or similar research tools).

• Continuous improvement mindset with interest in simplifying processes and reducing defects.

Additional Information

This role is hybrid, with in-office work Monday through Wednesday and the option to work from home Thursday and Friday. You may select one of two schedules: 7:00 AM–3:30 PM CST or 7:30 AM–4:00 PM CST. Attendance at scheduled training sessions is required, and training hours may differ from your standard schedule.

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Chase is a leading financial services firm, helping nearly half of America’s households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

Equal Opportunity Employer/Disability/Veterans

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Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction.

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Review and process ACH reclamations to return improper federal benefit payments and help protect customers and the firm.