ACH Supervisor

Summary

The ACH Supervisor is responsible for leading day-to-day Automated Clearing House (ACH) operations while actively participating in transaction processing. This role provides operational oversight, technical expertise, and supervisory leadership to ensure accurate, timely, and compliant ACH processing in accordance with NACHA Operating Rules, regulatory requirements, and internal bank policies. The ACH Supervisor serves as a subject matter expert for electronic payments, supports staff development, manages workflow and risk controls, and drives continuous process improvement.

This position works collaboratively across business lines to support service excellence, operational efficiency, scalability, and a strong control environment within the electronic payments function.

• Perform daily ACH processing functions including origination, exception handling, returns, reversals, notifications, and file monitoring.
• Review and approve ACH transactions and files in accordance with dual-control and risk management procedures.
• Monitor ACH activity for accuracy and compliance with NACHA rules and bank policies.
• Process complex or escalated ACH items, research request and exception cases that align with outlines SLA's.
• Ensure timely processing within the ACH network deadlines and bank service levels.
• Assist with balancing, reconciliation, and settlement processes across other business lines.
• Serve as subject matter expert and resource for ACH operations and regulatory guidance.
• Provide day-to-day supervision and workflow coordination for ACH team members.
• Train, coach, and mentor staff to enhance knowledge, productivity, and performance.
• Conduct quality reviews and provide feedback to ensure operational accuracy and consistency.
• Develop individual and team goals that align with strategic initiatives.
• Support staffing coverage and workload distribution to meet operational demands.
• Identify opportunities to improve efficiency, automation, and service quality.
• Maintain accurate procedure repository that aligns with day-to-day processing and handling.
• Collaborate with other business lines to reach strategic, division, and department goals.
• Complete yearly compliance training and testing and comply with bank, federal, and state regulations.
• Comply with Bank Policies and Procedures. Adhere to departmental and bank-wide CARE standards.
• Complete ad hoc requests for reporting or data specific documentation.
• Oversee end-to-end resolution by working with outside payment partners and vendors.
• Train and onboard new hires.
• Collaborate with leadership team to ensure processes support scalability and growth.
• Other related duties may be assigned.

• High school diploma or equivalent required / additional education preferred.
• Three to five years of ACH or electronic payment experience required; or combination of education and training.
• Leadership or supervisory experience required.

• Strong knowledge of NACHA Operating Rules and ACH processing workflows.
• Understanding of banking regulations impacting electronic payments.
• Ability to manage multiple priorities and deadline-driven environments.
• High attention to detail and risk awareness.
• Excellent communication, coaching abilities and problem-solving skills.

• Knowledge of MS Office Suite (PowerPoint, Word, Access).
• Proficient Excel skills required.

• ACH Certification (AAP) required.

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

While performing the duties of this job, the associate is regularly required to sit, use hands to sort, write and keyboard, and to listen and speak. The associate is frequently required to reach, walk, stoop, crouch. The associate is occasionally required to stand, lift, bend, drive and travel.