BN532 header error

I am trying to import and process a file for BN532.  I keep getting the error:
CSV Hdr Read Error: Fld Name

I have compared my file layout to the workdef layout for the BNBATCH file and cannot see anything wrong.  I have checked my jobdef to make sure it specified headers and it does.

I have checked the spelling of each header field name and haven't found any errors.
I can't think of anything else to do to either get a better error message or find problem.

Here is a list of fields:

Fc,Company,Employee,Dependent,PlanType,PlanCode,EmpStart,StartDate,StopDate,CreateTrans

I also tried:

Fc,Company,Employee,Dependent,PlanType,PlanCode,EmpStart,StartDate,StopDate,CreationDate,UpdDate,TimeStamp,UserId,CreateTrans

I also tried:
Fc,Company,Employee,Dependent,PlanType,PlanCode,EmpStart,StartDate,StopDate,CreationDate,UpdDate,TimeStamp,UserId,CreateTrans,Reason,MemberId

Can someone help, please.