ACH Analyst

PATRIOT BANK, N.A. • Stamford, CT

7d

About The Position

The ACH Analyst supports the Bank’s ACH operations, including daily processing, reconciliation, monitoring, reporting, exception processing, customer support, and compliance with NACHA rules. This role serves as an ACH subject matter resource and works with internal departments, customers, and payment partners to resolve issues and improve ACH processes.

Requirements

• High school diploma/GED; Bachelor’s degree or equivalent experience in banking/financial services preferred
• Accredited ACH Professional (AAP) certification required
• Five years’ experience with NACHA rules and regulations, preferably in Digital Payments
• Computer skills, including proficiency in MS Excel and Word
• Excellent organizational skills with attention to detail
• Clear and effective communicator
• Collaborative team player
• Detail-driven with a high level of accuracy
• Effective interpersonal skills
• Strong attention to details & mathematic skills
• Excellent customer service ability
• Strong sense of integrity and personal ethics
• Requires the ability to handle multiple tasks
• Polished verbal and written communication skills
• Time management skills
• Strong organizational and follow up skills
• Accurate and precise reporting ability

Responsibilities

• Support daily ACH processing, reconciliation, returns, exceptions, and notifications.
• Monitor ACH activity, transaction volumes, limits, and return rates; escalate issues as needed.
• Serve as a subject matter resource for ACH-related questions from employees, customers, and partners.
• Support new ACH customer and partner onboarding and ACH limit requests.
• Research and resolve ACH disputes, exceptions, returns, and operational issues.
• Assist with NACHA rule updates, training, and communication to employees and customers.
• Prepare ACH reports for management, the Board of Directors, NACHA, and other stakeholders.
• Support annual ACH originator reviews and risk assessments.
• Coordinate ACH audit and examination requests and maintain supporting documentation.
• Work with Fiserv, Direct Access participants, and other partners to resolve ACH issues.
• Maintain ACH procedures and process documentation.
• Identify opportunities to improve ACH reporting, monitoring, processes, and controls.
• Identify opportunities to automate manual ACH processes and reporting.
• Perform other duties and special projects as assigned.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED