Senior ACH Processing Specialist

Senior ACH Processing Specialist

At Valley Bank, we believe in people's growth potential. We invest in it. We protect it. We focus it. For nearly 100 years, we've been the Bank that clients from every industry turn to for our expertise, strategies, and advice—building the kind of trust that can fuel every goal. We are the leading relationship bank built for growth—with over $60 billion in assets, 3,800 experts, and more than 200 consumer branches and commercial banking offices in communities across the US.

Valley Bank, a leading relationship bank, is seeking a dedicated ACH Risk Specialist to monitor and analyze ACH network risks for the bank and its clients. The role focuses on fraud, compliance, and operational risk review to ensure adherence to ACH rules and regulatory requirements.

• Review ACH transactions and reports to detect and prevent fraudulent, suspicious, or erroneous activity.
• Conduct ACH risk assessments and audits to evaluate the bank's compliance with the ACH rules and regulations, as well as internal policies and procedures.
• Apply ACH risk management and mitigation strategies, policies, and procedures to minimize the bank's exposure to ACH losses and conduct ACH investigations and recovery.
• Provide ACH risk advisory and training to the bank's staff and clients and maintain effective communication with internal and external stakeholders.
• Investigate and resolve ACH disputes, claims, and exceptions, and coordinate with the ACH network, other financial institutions, and law enforcement agencies as needed.
• Keep abreast of the latest trends, developments, and best practices in the ACH industry, and participate in relevant forums and committees.

• Strong knowledge of the ACH rules and regulations, as well as the applicable laws and regulations related to ACH transactions.
• Proficient in ACH systems, tools, and software, within EPN, Federal Reserve Bank or core system.
• Excellent analytical, problem‑solving, and decision‑making skills, with attention to detail and accuracy.
• Effective communication, presentation, and interpersonal skills, with the ability to work independently and collaboratively.

• High School Diploma or GED. Minimum of five years of experience of banking or financial operations.

• Bachelor's degree in finance, accounting, business, or related field.
• Minimum of five years of experience in ACH risk management, operations, or compliance.
• Knowledge of NACHA Rules and Guidelines, Regulation E.
• AAP Certification.

Mid‑Senior level

Full‑time

Other

Banking