ACH Manager

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Full Time 1.2 Frst/Mid Lvl Mgr Seal Beach, CA, US

2 days ago Requisition

Salary Range: $92,560.00 To $ Annually

Job Summary

The ACH Manager is responsible for leading the Bank’s payment operations, with a focus on ACH processing and broader oversight across a multi-rail payments environment. This includes ACH origination and receipt, real-time payments (RTP/instant payments), wires, Zelle®, and other emerging payment channels.

This role serves as the primary compliance and risk lead for all payment-related activities, conducting daily risk assessments and ensuring adherence to applicable regulations, rules, and internal policies. The ACH Manager partners across business units to strengthen controls, streamline processes, and enhance operational efficiency.

Key responsibilities include oversight of day-to-day payment operations, reconciliation processes, exception management, and reporting. The role is instrumental in designing scalable processes that support growth and adaptability in a rapidly evolving payments landscape. Additionally, the ACH Manager drives initiatives to automate workflows, reduce manual intervention, and improve the end-to-end client and operational experience.

Key Responsibilities

Payments Oversight & Multi-Rail Strategy

• Maintain a strong and compliant ACH program while supporting expansion into a multi-rail payment ecosystem.
• Provide governance and oversight of payment operations across ACH, real-time payments (RTP/Fed Now), wires, and Zelle®
• Identify and drive opportunities to enhance and expand payment capabilities aligned with the Bank’s strategic goals.
• Support the implementation and lifecycle management of new payment products and services.

Regulatory Compliance & Risk Management

• Serve as the lead compliance subject matter expert for all payment-related policies and procedures.
• Ensure adherence to NACHA Operating Rules, real-time payment network requirements, and applicable regulations (BSA, AML, OFAC, Reg
  
  E)
• Lead the annual ACH audit in accordance with NACHA Appendix Eight requirements.
• Perform and expand enterprise-wide payment risk assessments across all payment rails.
• Maintain and enhance internal controls to mitigate operational, fraud, and regulatory risk.
• Partner with Audit, Risk, and Compliance teams to ensure audit readiness and timely remediation of findings.

Operational Management & Processing

• Oversee daily payment operations, including processing, balancing, and exception management.
• Ensure timely reconciliation of all payment-related reports and resolution of discrepancies.
• Manage non-posted transactions, returns, reversals, NOCs, reclamations, and exception processing.
• Monitor IAT transactions to ensure compliance with OFAC requirements.

Process Improvement & Efficiency

• Identify and implement process improvements to increase efficiency and reduce manual intervention.
• Standardize procedures and maintain accurate, up-to-date documentation aligned with regulatory expectations.
• Drive automation and increase straight-through processing where feasible.
• Track and report key performance metrics, including exceptions, losses, and processing timelines.
• Analyze operational losses and errors, identify root causes, and implement preventative controls.

Leadership & Staff Development

• Provide leadership, coaching, and performance management for payment operations staff.
• Conduct regular team meetings to communicate updates, regulatory changes, and priorities.
• Develop and maintain training programs for both existing and emerging payment channels.
• Foster a culture of accountability, collaboration, and continuous improvement.

Cross-Functional Collaboration & Projects

• Lead and contribute to cross-functional initiatives to enhance payment systems and controls.
• Function as liaison between Operations, Treasury, IT, Risk, and client-facing teams.
• Support system enhancements, vendor management, and product implementations.
• Partner with business lines on client onboarding, product expansion, and issue resolution.

Governance & Reporting

• Deliver…