ACH Operations Specialist

The ACH Operations Specialist supports the accurate, timely, and compliant processing of electronic payment transactions for consumer and business members. This role is responsible for end-to-end ACH operations, exception and return management, and Treasury Management support, including onboarding and ongoing servicing for business ACH origination and Positive Pay services.

The specialist serves as a subject matter expert for ACH rules, Business ACH operations, and fraud prevention tools such as ACH and Check Positive Pay, while also providing secondary operational support for Remote Deposit Capture (RDC), check processing, and related payment channels. This role requires strong analytical skills, sound judgment, and effective cross‑functional collaboration to mitigate risk and support member and business needs.

• Support daily ACH and RDC operations by processing file uploads, monitoring settlement deadlines, performing balancing and reconciliations, and ensuring accurate transaction flow across multiple systems.
• Perform a full range of ACH activities, including returns, reversals, adjustments, Notifications of Change (NOCs), stop payments, unauthorized debit claims for consumer and business accounts, letters of indemnity and refuse credit returns.
• Review, analyze, and resolve ACH exceptions, rejects, overdrafts and fraud‑related items within NACHA, regulatory, and internal time frames.
• Support Commercial Treasury Management services by onboarding new business members for ACH origination and Positive Pay services within Pep+, CNS and other payment services applications.
• Provide operational support for ACH and Check Positive Pay including enrollment, exception handling, file processing, pay/return decision support, and troubleshooting issues related to mismatched or unauthorized items.
• Monitor business ACH origination activity, return ratios, and Positive Pay exceptions to ensure compliance with NACHA thresholds and internal risk tolerance levels; research excessive return activity or Positive Pay disputes and escalate findings as appropriate.
• Serve as a subject matter expert on NACHA rules, Regulation E, and applicable credit union policies while responding to ACH, Treasury Management, and Positive Pay inquiries from members and other lines of business.
• Monitor payment systems and Fed Line alerts to identify processing or Positive Pay‑related issues, escalating outages and collaborating cross‑functionally with Treasury Management, Fraud, Risk, Operations and Payment Services teams to resolve issues.
• Support fraud prevention initiatives, quality assurance reviews, audits, ad‑hoc reporting, and continuous process improvement efforts related to ACH, Positive Pay, and other payment services.
• Prepare clear, detailed case documentation and summaries for escalated member or business issues and submit findings to senior staff or management.
• Handle a moderate volume of inbound and outbound operational calls with professionalism, confidentiality, and adherence to service level standards.

• Bachelor's degree in business administration or equivalent combination of education and experience.
• Minimum of 3 years of experience in a financial institution with ACH operations, payment services, or treasury‑related functions; or minimum of 3 years of experience working with ACH processing, debit/credit card operations, exception item handling, check processing systems, or fraud mitigation services.
• Working knowledge of NACHA rules and regulations and understanding of regulations CC, D, E, and J.
• Proficient in Microsoft Office (Word, Excel, Access, Visio) and basic understanding of workflow concepts and process methodologies.
• Strong organizational and multitasking abilities, excellent communication skills, and proven ability to provide professional and courteous customer service in fast‑paced environments.

• Thorough knowledge of payment operations and applicable federal, state, and NCUA regulations, including the Bank Secrecy Act, Regulation CC, Regulation E, Regulation Z, NACHA rules, and security awareness standards.
• Demonstrated ability to stay informed of regulatory…