Sr. ACH Ops Specialist

Overview

This role can be worked from any Choice Bank location in Minnesota or North Dakota.

The Senior ACH Specialist plays a critical role in managing electronic money transfers through the Automated Clearing House (ACH) Network. The ACH Network facilitates electronic money transfers between banks, businesses, and individuals. The ACH Specialist also plays a vital role in adhering to NACHA rules, ensuring accurate and reliable money movement.

• Review detailed ACH files to ensure accuracy, resolving discrepancies and accounting errors promptly.
• Monitor and manage ACH exceptions, including research, adjustments, unauthorized transactions, and ACH disputes (POAs, LOIs, WSUDs, etc.).
• Process ACH reclamations and research government payments on deceased accounts in a timely manner to avoid losses.
• Ensure audit compliance and quality control of procedures.
• Recommend corrective actions and ensure compliance with established Bank policies, procedures, laws, Nacha rules, and regulations.
• Study and evaluate the impact of applicable Nacha regulatory changes.
• Take ownership of timely response and resolution of customer and bank personnel issues, ensuring smooth operations and mitigating service disruptions.
• Proactively contact branches and customers as needed to provide resolution and explain account activity.
• Assist in department projects.
• Identify and mitigate risk/fraud-related items, escalating appropriately.
• Assist with monitoring and maintaining risk and exposure limits.

• 7 years of relevant experience with requisite competencies.
• Ability to handle complex ACH processes and enhanced environments.
• Lead process improvements and risk mitigation strategies.
• Advanced understanding of ACH operations, NACHA rules, and compliance requirements.
• Expertise in ACH systems, risk monitoring, and exception management.
• Accountable for complex tasks and projects with minimal supervision.
• Use judgment to resolve non-routine issues and guide junior staff.
• Influence junior team members and serve as a subject matter expert.
• Act as a point of escalation for ACH-related issues.
• Provide training and mentor junior team members.
• AAP required; NCP and APRP preferred.

This position requires travel to support business needs, including team collaboration, internal trainings, and cross‑functional initiatives. The frequency and duration of travel will vary based on organizational priorities and team needs.

Choice is #People First, banking second. People need to be supported by a team of trusted partners who will get to know them and their business, understand their challenges, discover their dreams, and recognize the success in bringing people and banking together in our communities.

In contributing to our culture, Choice team members are guided by our core values:

• Embrace change and encourage innovation.
• Know when to ask for help and know when to offer help.
• Better the places we live.
• Work hard. Do the right thing. Have a little fun.

Our vision of Diversity at Choice is supported by our #People First mission and core values. Being #People First means that Choice is committed to creating an environment where everyone feels respected and valued and can do their best work. Doing the right thing means encouraging employees to share their experiences and ideas, and to bring their whole authentic selves to work.

Together, we can build an inclusive culture that seeks out, supports, and celebrates diverse voices. We can use our diversity to fuel creativity and innovation and bring us closer to our customers and the communities we serve. Be welcome  can see you here.

This job description is intended to describe the general content of, and requirements for, the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a significant risk to the health and safety of themselves or other employees.

All employment at Choice Financial Group is “at will” employment. This position description does not create an employment contract, implied or otherwise.

The base salary for this role is listed below. This pay range is posted to comply with wage transparency laws. The base salary may vary based on skill, ability, knowledge, experience, and geographic location. Full‑time employees are also eligible for a competitive bonus and benefits package. Check out  for an outline of current benefit offerings.