Michael Moniz, Aap Email & Phone Number

Lowell, Ma, Us

Responsible for all Automated Clearing House (ACH) processes mentioned on Payment Services Rep IIAdditional: ATM & Debit Card Processing Functions:• Reconciles and balances the ATM settlement accounts • Processes ATM adjustments and resolves customer disputes • Performs tasks associated with compromised ATM/debit cards (reports, customer notifications, etc) Research and Adjustments:• Performs customer research and provides assistance to Deposit Servicing with customer research, as needed • Provides support and assistance to Payment Services Representatives I & II, as needed • Retrieves adjustments and submits adjustments via Fedline and/or Bank to Bank adjustments • Responsible for handling escheatment process on abandoned property for the bank’s Treasurer Checks and Money Orders • Responsible for ensuring adjustment entries clear from Federal Reserve Bank reconciliation in a timely manner• Assists with cross-training on all Payment Services functions for complete coverage of area during staff absences • Provides support for department initiatives and projects, as related to department goals and objectives • Provides support to Electronic Processing in reconciling deposit accounts and services related to Treasury checks and money orders, Teller Cash Transfers and Branch cash settlement accounts. Other:• Functions as the Payment Services certified report author and responsible for the creation of new reports and maintenance of existing reports in Business Analytics (Cognos) • Participates in the Project Leadership Team for projects related to Payment Services • Performs all duties consistent with applicable Federal and State laws and regulations • Performs other related duties as assigned • Exceeds customer expectations by following the guidelines outlined in the Customer Experience Program

Lowell, Ma

ACH (Automated Clearing House) • Process incoming ACH files, including charging return entries, repairing rejected account numbers, verifying pre-note entries, processing and sending notification of change entries, and returns • Process ACH stop payment, reversal entries, remove batches, permissible returns upon request• Works closely with Electronic Servicing to service ACH originators file exception requests• Perform E-funds on any incoming International Account Type files • Process adjustments and resolve customer disputes • Daily balance the Paperless Item Module (PIM) in process and Deposit Suspense Account Reconciliation to the appropriate general ledger accounts • Process outgoing ACH files to the Federal Reserve • Process/Review Death Notification Entry or Treasury Reclamations and return as accordantly. ATM & Debit Card Processing and Functions • Assist on Reconciling and balancing the ATM Settlement and ATM Dispute accounts• Assist in Processing ATM adjustments and resolves customer disputes • Perform tasks associating with compromised ATM/debit cards, including reports and customer notifications Research and Adjustments • Perform customer research pertaining to the imaging system and provides assistance to Deposit Servicing with customer research, as needed • Provide support and assistance to the Research and Adjustment Representative I • Retrieve and submit adjustments via Fedline Advantage• Responsible for ensuring adjustment entries clear from Federal Reserve Bank reconciliation or Deposit Suspense in a timely manner • Audit internally the integrity and accuracy of the ACH WSUD and Stop Payments for the Deposit Operations Department • Review Monthly Card Reissues / Card with Account Closed Reports and make any modifications.• Provides support for department initiatives and projects, as related to department goals and objectives

• Supervised daily activities in the Deposit Operations Department such as; Automated Clearing House, Check Clearing House, Wire Transfers, Debit Card Issues, Regulation E Claims, etc• Provided assistance to staff in the completion of assignments• Kept abreast of Telephone Banking, ATM, Remote Deposit Capture, and Internet Banking Technology, compliance, and security issues • Monitored Telephone Banking, ATM, Internet Banking, and Remote Deposit Capture Activity• Produced reports and analyze activity for unusual or noteworthy activity and trends• Facilitated with researched, developed, and monitored of system security and compliance as it relates to the Telephone Banking, ATM, Remote Deposit Capture, and Internet Banking systems• Assisted in the new enhancement of the Multifactor Authentication and Single Sign on for the Internet Banking Technology• Coordinated ATM upgrades and replacements to comply with the ADA Regulation• Responsible for coordinating resolution of service issues/problems with Telephone Banking System, Internet Banking System, ATMs, and Remote Deposit Capture System as needed; follow up to ensure resolution of all service calls • Maintained applicable system manuals; including vendor correspondence, procedures, and summary of changes • Worked directly with vendors and other departments on systems related issues, including product developments, enhancement, and problem resolution • Informed management of any progress and make appropriate recommendations• Conducted Telephone Banking, ATM, Remote Deposit Capture, and Internet Banking system related training as needed• Participated in varies committees: Compliance Committee, Retail Committee, Technology Committee, ADA Committee and Business continuity Committee,

• Performed Daily Automated Clearing House (ACH) and Check returns • Initiated and verified wire transfers and ACH transactions• Performed BSA / AML report analyst of any suspicious or unusual activity• Responsible for all daily administration and efficient management of the Overdraft Privilege Program (ODP). • Reviewed and investigated ACH Reg E Claims and Check fraud transactions • Processed and researched all subpoenas and government levies• Responsible for performing varies duties of the Internet Banking including: technical and general support to customers and Bank personnel; performed customer setups, maintained customer files, monitored product usage and system operation; resolved problems within given authority, bill pay stop payments and discrepancies, and participated in special department projects.• Performed administrative duties, including system data entry and information retrieval, as needed to support customer service duties• Assisted the offsite Information Technology Consultant with IT projects pertaining to: upgrades, troubleshooting operating systems, TCP/IP configuration, internet connectivity, installations, hardware and software.• Supported end-users with IT-related problems in a responsive and service oriented manner; and provided user rights and permissions to files• Serviced and maintained computer systems including: setups, system backups, inspect equipment, defragment hard drives, and updated antiviral programs to maintain performance and security• Operated and maintained postage equipment efficiently. Monitored and ensured that the postage meters had the appropriate funds and coordinated all outgoing mail• Established and utilized best practices to resolve repair and maintenance issues related to the branch facilities to maintain a comfortable and safe environment to customers and employees

• Insured all customer transactions were processed accurately and timely. • Processed deposit envelopes, and ATM transactions verified transaction amounts, checked for signatures and endorsement, and assisted in balancing ATM. • Assisted customers purchasing treasurer’s checks, money orders, and travelers’ checks • Balanced cash drawer on a daily basis with minimal errors • Performed all duties consistent with applicable Federal and State laws and regulations • Performed other related duties as assigned. • Approved checks and permitted overrides within authority when necessary and assisted in settling tellers and branch daily• Counted and recorded currency and coins in vault and ordered and shipped coins and currencies to satisfy legal requirements and meet business demand • Ensured proper completion and submission of branch logs and reports.

Bachelors, Business Administration

Activities and Societies: Alpha Lambda Sigma

Associates, Business Administration / Management