ACH Specialist

The ACH Specialist supports the Deposit Operations/Data Processing Departments by processing ACH transfers, handling cross-border payments, and providing customer support. Responsibilities include reconciling accounts, managing ACH disputes, and ensuring compliance with federal regulations. The role requires attention to detail and knowledge of ACH rules.

This position will be the subject matter expert on ACH Processing. With a strong understanding of the ACH Network and be proficient in NACHA Operating Rules and Guidelines. The position will also need a well‑founded working knowledge of OFAC, and payments travel rules. The ACH Specialist will need to think critically and understand the high potential of risk within the ACH environment.

Will need to be aware of possible Corporate Account Takeover and will understand the processes and procedures designed to mitigate this risk. They will need the ability to solve problems in a quick and efficient manner and be able to identify potential fraud or suspicious activity.

• Serve as subject matter expert on all things related to ACH
• Stay current on NACHA Rules and integrate them into daily processing
• Educate ACH Originators on NACHA Rules changes
• Review daily ACH reports and report rules violations
• Process ACH research requests
• Participate in Annual ACH Audit
• Provide Customer Service phone support to customers and staff
• Process ACH disputes according to ACH rules and Reg E
• Process check fraud disputes according to rules and regulations
• Monitor letters of reclamations (government entries comply with Green Book rules), letters of indemnity and copies of authorization requests
• Process various month end procedures, reconciliations and reports
• Perform annual audit of all Cash Management customers, including on‑site visits
• Conduct Quarterly Exposure Limit Reviews on ACH Originators
• Learn and become knowledgeable on ACH Fraud Monitoring software
• Serve as backup to all ACH origination processes
• Other duties/projects as assigned

• High school diploma or equivalent required
• Minimum of 2 years prior banking experience in a related position
• AAP certification preferred (Accredited ACH Professional)

• Knowledge of existing bank software preferred or demonstrated ability to learn new software quickly

• Strong organizational skills
• Effective time management skills and ability to meet deadlines
• Competent in problem solving and researching information
• Ability to work well with a team and independently
• Effective communication skills
• Strong attention to detail and accuracy in work