EFT Risk Analyst

The EFT Risk
Team monitors risk for ACH and other payment channels. Managing risk helps keep customers and UMB from large losses. This team is essential in ensuring customer ACH Origination activity is processed according to UMB’s risk appetite.

As the EFT Risk Analyst
, you will assist with the ongoing administration and support of multiple risk programs, processes, and audits that impact bank operations. With exposure to ACH accounts and activity, this role is vital for risk management within operations. It includes multiple initiatives assigned by Bank Operations leadership.

This role is hybrid (Mon through Thu on-site / Fri remote) for candidates in the Kansas City metropolitan area and open to qualified remote candidates outside of the Kansas City area, but the remote location must be within the US. The work schedule is Monday through Friday, 8:00 – 4:30 PM with a 30‑minute lunch break or 8:00 – 5:00 PM with an hour lunch break.

• Complete regular reports, specialized reports, and special projects as requested.
• Complete monthly analysis of statistical reporting for payment processing.
• Present reporting and findings to senior & executive management monthly.
• Perform self-testing of controls as well as bi‑annual risk self‑assessments.
• Assist with gathering and reviewing data for various reviews and/or audits.
• Assist with follow‑up from internal or external audits to resolve questions and/or outstanding items.
• Identify potential process improvements and implement documentation.
• Maintain policies and procedures related to job duties.
• Understand and remain current on related industry activity, changes, regulations, and announcements.

• 1 year experience with banking or financial processing or equivalent experience.
• 1 year of compliance, audit, or risk experience.

• ACH Accredited Professional (AAP) Certification or Accredited Payments Risk Professional (APRP) Certification.
• Five (5) years of specific experience working with electronic payments and/or treasury management products/processes.
• Experience working with financial risk modeling.

Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position.

Final date to receive applications:
August 8, 2026

• US Employees in California, Washington DC, New Jersey, and New York: $54,220 - $79,020
• US Employees in Colorado, Connecticut, Delaware, Illinois, Massachusetts, Maryland, Minnesota, Pennsylvania, Rhode Island, Texas, Washington, and Wisconsin: $49,510 - $72,340
• US Employees in all other states not listed above: $44,790 - $65,650

The posted compensation range on this listing represents UMB’s good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job‑related factors. Please see the description of benefits included with this job posting for additional information.

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund;

and various associate banking benefits. Benefit offerings and eligibility requirements vary.

UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e‑mail to  to let us know the nature of your request.

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