Ryan K. Cofer
Summary
Diligent Wire Lead/ACH specialist with strong background in Wires and ACH processing transaction management. Successfully streamlined processes to enhance efficiency and ensure compliance. Demonstrated proficiency in problem-solving and attention to detail.
Overview
11
11
years of professional experience
Work History
Wire Lead/ACH Specialist
FIRST STATE COMMUNITY BANK
05.2021 - Current
- Oversee daily operations of the wire transfer department, managing both domestic and international transactions via FedWire and SWIFT.
- Ensure compliance with internal controls, federal regulations, and anti-money laundering (AML) guidelines.
- Work closely with treasury and operations teams to process time-sensitive wires with 100% accuracy.
- Train and supervise junior staff, fostering a culture of precision, accountability, and customer service.
- Resolve complex transaction issues and communicate directly with clients to ensure timely resolution.
- Collaborate with IT and compliance teams to improve wire systems and implement security enhancements.
- Process and monitor incoming/outgoing ACH files in accordance with NACHA operating rules.
- Identify and resolve ACH exceptions, including returns, NOCs (Notification of Changes), and fraud flags.
- Work with corporate clients to ensure proper setup and transmission of ACH batches.
- Maintain detailed transaction logs and prepare audit reports as required.
- Act as a liaison between internal departments and external partners (e.g., Federal Reserve, other FIs).
- Managed reconciliation of accounts, identifying discrepancies and resolving issues promptly.
- Processed ACH transactions with high accuracy and efficiency, ensuring timely execution.
- Developed training materials for new staff, facilitating onboarding and knowledge transfer effectively.
Service Writer
AUTO PLAZA FORD (NOW PETTUS FORD)
08.2018 - 01.2020
- Greet customers and listen to concerns to accurately document service needs and vehicle symptoms.
- Create detailed and accurate repair orders, coordinating with technicians to ensure clear job communication.
- Explain service recommendations and estimates to customers, gaining approval before proceeding with work.
- Follow up with customers on service progress and completion timelines, ensuring transparency.
- Upsell preventive maintenance and additional services, contributing to increased service department revenue.
- Handle warranty claims and service contract processing with efficiency and accuracy.
- Maintain high CSI (Customer Satisfaction Index) ratings and build long-term customer relationships.
Assistant Manager
MURPHY OIL
03.2014 - 08.2018
- Supervise daily operations of a high-traffic gas station, including managing 6+ team members across multiple shifts.
- Monitor fuel levels and coordinate deliveries to avoid shortages or service disruptions.
- Train new staff on POS systems, customer service protocols, and safety policies.
- Handle escalated customer issues, maintaining a high standard of service and resolution.
- Ensure adherence to company policies, health/safety standards, and regulatory compliance.
- Prepare shift reports, daily sales summaries, and manage deposit processes.
- Perform inventory checks and manage ordering of stock and supplies.
- Assisted in achieving a 15% increase in customer satisfaction scores through improved service flow and store cleanliness.
Education
High School Diploma -
Fredericktown R1 Highschool
Fredericktown, MO05.2011
Associate of Science - Psychology
Mineral Area College
Park Hills, MO05.2014
Bachelor of Science - Industrial Psychology
Central Methodist University
Fayette, MO07.2018
Skills
- Jack Henery systems
- Corpay systems
- Federal reserve (direct line Wires & ACH)
- Electronic payments
- Payment reconciliation
- Microsoft office
DETAILS
- January 2020 until May 2021 I worked for my parents construction company. I managed all employees and finances of the company. At the time both of my parents were having health issues that caused the need for me to work for them. I am an only child so the trust fell to me. I did this with the agreement it would be short term as I have no desire to take over their business. In May 2021 I started with First State Community bank and have not worked for their company since.
- I do have time off planned for 2025. Here are the dates as followed. July 30th-August 1st (Out of state kayaking trip). August 29th-September 8th (I will be in Jamaica).
Timeline
Wire Lead/ACH Specialist
FIRST STATE COMMUNITY BANK
05.2021 - Current
Service Writer
AUTO PLAZA FORD (NOW PETTUS FORD)
08.2018 - 01.2020
Assistant Manager
MURPHY OIL
03.2014 - 08.2018
High School Diploma -
Fredericktown R1 Highschool
Associate of Science - Psychology
Mineral Area College
Bachelor of Science - Industrial Psychology
Central Methodist University
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