EFT Risk Specialist; Remote

Remote

Kansas City MO

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Full time

R-9638

The EFT Risk Team monitors exposure limits/Overdrafts for ACH and Wire payments, and acts as gatekeeper for Internal Wire Authority requests. Managing the Risk of these tasks helps keep UMB from large losses. This team is essential in ensuring timeliness of processing as well as files/transactions are processed according to UMB’s Risk appetite.

As the EFT Risk Specialist, you will focus your work on processing and reviewing Electronic Funds Transfers (EFTs) such as ACH and wires to limit risk for UMB and to ensure all accounts and funds are compliant. You are also responsible for reviewing daily domestic and international wires and ACHs. With the exposure to EFT accounts, this role is vital for risk management with Electronic Funds.

This is a subset of the overall responsibilities which will include multiple initiatives assigned by Bank Operations leadership.

This role is fully remote. The work schedule is 11:00 – 8:00 PM CST (1-hr lunch) or 11:30 – 8:00 PM CST (30-min lunch). However, the work schedule during the initial training period (approximately 30-60 days) is 8:30 – 5:00 PM CST.

• Work closely with internal partners to seek approval for proper funding for the Commercial and Institutional accounts.
• Determine risk with ACH and wire transfers to protect our customers and the UMB organization.
• Partner with clients and internal partners for account approvals and fund transfers.
• Work out solutions within the team to help conduct risk reviews.

• At least 1 year of experience in Bank Operations or Cash Management Operations.
• At least 1 year of experience with one or more payment systems for ACH and/or Wire Transfer, Securities Processing or Portfolio Operations.

• ACH Accredited Professional (AAP) Certification
• Accredited Payments Risk Professional (APRP) Certification

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

This position was posted on 11/05/2026. The Final date to receive applications for this position is 45 days from the posting date unless filled earlier.

$51,291 - $75,460

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.

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