AK_INVALID_FILE_OPERATION when running US Bank Files in AP

I've received some sample files from US Bank that conform to their proprietary USBC1 and USBC2 specification and I am trying ti interface this data to AP using the US Bank Credit Card Transactions Loader Preformat program (first request in US Bank Set in AP).  We've plaecd these sample files in the /usr/tmp directory on the server and verified that this file path is defined within the util_file_dir parameters but cannot seem to overcome this issue.  Is there a configuration that I'm missing?  We are using 11.5.10.  I found one reference on the error in MetaLink Note 274172.1 which, if I'm reading it correctly, indicated I needed to place the files in this directory... actually any directory defined in the util_file_dir params.