ACH Operations Specialist

Description We are looking for an ACH Operations Specialist to support treasury operations for a banking organization in Fort Lauderdale, Florida. This role is ideal for someone who is detail oriented and can manage high-volume payment activity, assist commercial clients, and help maintain strong operational controls. The position combines transaction oversight, issue resolution, fraud awareness, and adherence to banking and ACH regulations.

Responsibilities:

- Oversee daily ACH origination and return workflows to help ensure timely and accurate processing.

- Examine ACH activity for unusual patterns, potential fraud concerns, and compliance with applicable operating rules.

- Handle returns, notifications of change, and proof of authorization requests while maintaining complete and accurate records.

- Track unauthorized return levels and escalate items that may require risk review or corrective action.

- Communicate with commercial clients regarding exceptions, return activity, and ACH-related compliance matters.

- Support clients with ACH processing questions and work to resolve issues with a high level of service.

- Calculate and apply ACH-related fees, reserve changes, and adjustments tied to return activity.

- Monitor processing schedules to identify missing files, halted batches, and other operational exceptions.

- Work with treasury operations and internal business partners to address processing issues and improve workflow efficiency.

- Prepare documentation and reporting in Microsoft Excel and recommend enhancements to controls and operating procedures. Requirements - At least 2 years of ACH operations experience within a bank or other financial institution.

- Practical knowledge of ACH operating rules and standard processing requirements.

- Experience with ACH origination support, return processing, notifications of change, and proof of authorization research.

- Ability to work directly with commercial customers on ACH activity, exceptions, and compliance-related questions.

- Strong analytical skills with careful attention to detail and accuracy.

- Advanced Microsoft Excel capability, including data reconciliation and lookup functions.

- Excellent written and verbal communication skills in a fast-paced environment.

- ACH certification, experience with ACH processing platforms, or background in treasury management, merchant services, fraud monitoring, or exception handling is preferred.

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