ACH Payments Manager

## ACH Payments Manager Apply:
Richardson, TX:
Full time:
Posted Today:
JR106118

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.

While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success.

We build long-lasting relationships.

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to
* The Dallas Morning News*’ Dallas-Fort Worth metroplex Top Workplaces 2023 and Go Banking Rate ’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at
** Key Responsibilities
**** Team & Operations Management
*** Manage and develop a team of ACH Operations Specialists, including daily work allocation, performance coaching, and professional development
* Own staffing adequacy and capacity planning; monitor production hours against transaction volumes and escalate staffing needs with supporting data
* Establish and maintain standard operating procedures for all ACH processing functions, ensuring documentation remains current with Nacha rule changes and internal policy updates
* Coordinate cross-training to maintain operational continuity during absences, volume surges, and staff transitions — eliminating single points of failure
* Drive team accountability against intraday processing deadlines and regulatory return windows
** ACH Processing & Exception Management
*** Oversee the daily monitoring and processing of inbound and outbound ACH files, ensuring erroneous activity or system failures are identified and communicated immediately
* Direct the processing of ACH manual returns, stop payments, rejected entries, and non-post items within Nacha-prescribed timelines (e.g., 2 banking days for unauthorized return entries under Nacha Operating Rules)
* Manage ACH reclamation processing and ensure compliance with federal reclamation requirements
* Supervise ACH origination and service setup, modifications, and deletions for the operations department
* Maintain and validate daily ACH outgoing files for accuracy, review, and record retention
* Prepare and review daily ACH reports for management review and approval
** Instant Payments & Emerging Rails
*** Oversee the processing and exception handling for real-time payment transactions across Fed Now and RTP networks, including timeout errors, duplicate detection, return requests, and RFI messages
* Monitor instant payment exception trends and adjust staffing and procedures as volume grows with client adoption of real-time payment rails
* Partner with product, technology, and compliance teams on instant payment enhancements and new rail integrations
** Deposit Operations Support
*** Provide oversight and direct support for deposit research and adjustment entries to correct processing errors
* Reconcile DDA and General Ledger variances by…