ACH Specialist

ACH Specialist III

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed.

The ACH Specialist III supports frontline customer service operations for the ACH team by handling a high volume of inbound inquiries from internal partners and business clients, averaging 40–50 calls per day. This role involves researching ACH transactions using multiple systems, identifying key details such as originator information, and resolving payment‑related issues in a timely and accurate manner. The specialist performs level‑one reporting and documents findings to support operational tracking and compliance while collaborating with internal teams to address more complex inquiries.

In addition to call support, the role includes processing ACH Letters of Indemnity (LOIs) to assist in the recovery of canceled or returned funds from other financial institutions. As employees build experience, they are cross‑trained to provide backup support for LOI processing, contributing to overall team flexibility and operational efficiency.

• High school diploma or equivalent
• Four years or more of operations services related work experience

• Knowledge of products, services, terminology, procedures and systems related to assigned area, as well as applicable laws and regulatory requirements
• Proven commitment to high quality customer service
• Ability to work well with external and internal customers
• Good time management skills to maximize production and execution of tasks in a fast‑paced environment
• Good understanding and knowledge of internal policies and procedures within Operations Services and enterprise wide
• Physical requirements could include lifting trays of work, pushing carts of work, standing or sitting for extended periods of time, and repetitive motions
• Ability to identify, analyze and resolve exceptions through data interpretation
• Strong PC skills
• Good verbal and written communication skills

This role requires working from a U.S. Bank location three (3) or more days per week.

Pay Range: $21.25 - $28.32

• Health (medical, dental, vision)
• Basic term and optional term life insurance
• Short‑term and long‑term disability, pregnancy disability and parental leave
• 401(k) and employer‑funded retirement plan
• Paid vacation (from two to five weeks depending on salary grade and tenure)
• Up to 11 paid holiday opportunities
• Adoption assistance
• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

U.S. Bank participates in the U.S. Department of Homeland Security E‑Verify program in all facilities located in the United States and certain U.S. territories.

U.S. Bank conducts background checks consistent with applicable local and federal laws, including the Los Angeles County Fair Chance Ordinance, the California Fair Chance Act, the San Francisco Fair Chance Ordinance, and other relevant federal guidelines. Applicants must be able to comply with U.S. Bank policies and procedures, including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.