Wires and ACH Manager

The Wires and ACH Operations Manager oversees the daily execution, compliance, and operational integrity of all ACH-related activities, ensuring accurate, timely, and secure processing in alignment with NACHA Rules, regulatory requirements, and internal controls. This role oversees the daily processing, controls, and service delivery for all cash and wire activities. In addition, ensures transactions are completed accurately, timely, and in compliance with applicable regulations, internal policies, and operational standards.

The manager provides leadership to staff, maintains strong internal controls, optimizes procedures and workflows, and partners with cross‑functional teams to support system health, risk mitigation, and exceptional member experience across payment channels.

• Lead, coach, and develop staff to ensure high performance, accuracy, compliance, and strong member‑centric service.
• Provide day‑to‑day oversight of Cash and Wire Operations, ensuring adequate staffing coverage and supporting team members during high‑volume periods.
• Foster a culture of accountability, open communication, and continuous improvement.
• Deliver ongoing training on ACH systems, processes, controls and regulatory requirements, deploy specialist training for emerging risks or system changes.
• Manage end‑to‑end ACH processing, ensuring accuracy, timeliness, file integrity, and adherence to internal controls.
• Oversee file movement, system monitoring, balancing, and exception handling; escrow issues promptly to IT, vendors, or leadership as appropriate.
• Ensure compliance with all applicable ACH regulations and requirements, including NACHA Rules, OFAC, BSA/AML, Regulation E, Title 31, Federal Reserve Operating Circular 4, and OCC ACH Risk Management Guidance.
• Provide ongoing training on systems, procedures, controls, and regulatory requirements; deploy specialized training as needed.
• Oversee daily ATM/ITM cash reconciliation, balancing, settlement, and cash inventory monitoring.
• Manage currency and coin logistics, including cash ordering, equipment servicing coordination, and courier partnership support.
• Monitor cash volumes, processing trends, and productivity; prepare operational reporting as needed.
• Supervise end‑to‑end wire transfer processing, ensuring accuracy, timeliness, and strong adherence to internal controls.
• Resolve escalated issues related to wire processing, member impact, documentation discrepancies, or systemic errors.
• Support system updates, workflow changes, platform enhancements, and vendor coordination activities related to wire processing.
• Partner with IT and vendors to ensure wire system stability, reliability, and performance; escrow issues appropriately when needed.
• Oversee the end‑to‑end escheatment lifecycle, including dormant account monitoring, due‑diligence notifications, reporting, and remittance to all required state authorities, ensuring accuracy and compliance with state unclaimed property laws.
• Maintain and strengthen internal controls by monitoring account activity, validating escheatment exceptions, performing quality reviews, and resolving discrepancies to minimize risk and audit findings.
• Support the implementation, configuration, and optimization of payment applications and delivery channels.
• Assist in testing upgrades, integrations, and workflow changes impacting cash and wire processing systems.
• Recommend and support automation, process improvements, and technology enhancements to improve accuracy, efficiency, and risk mitigation.
• Maintain accurate procedures, workflows, and training materials for all cash and wire processes.
• Ensure compliance with applicable regulations, including:
  Reg J, UCC 4A, OFAC, BSA/AML, Title 31, Federal Reserve Operating Circulars.
• Maintain strong internal controls and oversee quality control reviews, monthly access audits, and task audits.
• Identify operational risks or compliance gaps and assist with implementing corrective actions.
• Serve as a point of contact during internal and external audits related to Cash and Wire Operations.
• Partner with Fraud & Financial Investigations to monitor trends and implement fraud prevention controls.
• Collaborat…