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ACH Risk Analyst

Job in Rancho Cucamonga, San Bernardino County, California, 91739, USA
Listing for: Citizens Business Bank
Full Time position
Listed on 2025-12-02
Job specializations:
  • Finance & Banking
    Accounting & Finance, Risk Manager/Analyst, Financial Analyst, Financial Consultant
Salary/Wage Range or Industry Benchmark: 20 - 26.25 USD Hourly USD 20.00 26.25 HOUR
Job Description & How to Apply Below
Position: ACH Risk Analyst I

Summary

Position is responsible for the oversight of all ACH risk related functions including customer onboarding, due diligence reviews, monitoring, education, resolution of ACH violations and renewals of ACH limits. The is an intermediate level position that works directly with centers and customers to assist with more complex areas of ACH. Position will also be responsible for handling ACH claims outside of the standard ACH return time frames.

Essential Duties and Responsibilities
  • Complies with and stays abreast of all policies and procedures, Nacha Rules, federal and state laws applicable to the job.
  • Maintain time sensitive workflow related to ACH processes for customer onboarding, modifications and renewals.
  • Review ACH files originated and received to ensure all have been received and processed through applicable bank systems daily.
  • Review and process ACH Risk Worksheets for new and existing customers.
  • Research and resolve ACH system alerts and exceptions on a daily basis.
  • Research and resolve any "Unknown Companies" as applicable to ensure database is updated appropriately.
  • Update and maintain accurate information in department logs and databases.
  • Provide support to address customer and associate inquiries/concerns related to ACH Risk and processing functions including ACH rules, claims, out of time frame returns, reversals, notification of change (NOC), alerts and renewals.
  • Work with customers to address basic NACHA rule violations in a timely and appropriate manner.
  • Provide basic education to customers on NACHA rule requirements as needed.
  • Provide documentation for certifications, reporting and audits.
  • Provide, present and promote The Citizens Experience to all external and internal customers.
  • Other duties as assigned.
  • Supervisory Responsibilities

    This job has no supervisory responsibilities.

    Qualifications

    To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

    Education and/or Experience

    Bachelor's degree from a four-year college or university; or one to three years related ACH experience and/or training; or equivalent combination of education and experience. Basic and intermediate ACH training, with an emphasis on ACH origination and risk, is required.

    Language Skills

    Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization.

    Mathematical Skills

    Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.

    Reasoning Ability

    Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

    Computer Skills

    To perform this job successfully, an individual should have knowledge of Navigator, Director Database software;
    Microsoft Office, Q2 Central Fedline Advantage and EDI

    Certificates, Licenses, Registrations Other

    Skills and Abilities
    • Ability to work well under pressure while maintaining strong attention to detail
    • Strong organizational skills
    • Ability to prioritize and multi-task
    • Strong customer service and communication skills
    • Strong written and verbal communication skills
    Other Qualifications

    Ability to work overtime to support daily ACH processes and assist during contingency situations.

    Physical Demands

    The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

    While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is occasionally required to walk. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, depth perception and ability to adjust focus.

    Work

    Environment

    The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

    The noise level in the work environment is usually moderate.

    Salary Range

    $20.00 To $26.25 Hourly

    40 hours per week

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