ACH & Instant Payments Operations Manager

Seacoast Bank•Stuart, FL

10h

About The Position

The ACH & Instant Payments Operations Manager supports the Payments Operations & Strategy Manager by leading and centralizing all ACH operations across Deposit Operations and Treasury Management, while serving as the subject matter expert on emerging payment technologies. This role ensures strong operational execution, regulatory compliance, scalability, and readiness for future payments capabilities, while enabling the broader payments strategy through continuous improvement and modernization efforts.

Requirements

Deep knowledge of ACH processing and electronic payment platforms
Experience supporting Real-Time Payments (RTP), Original Credit Transactions (OCT), and / or Account Funding Transactions (AFT)
Strong knowledge of NACHA Operating Rules and applicable banking laws & Regulations
Experience leading payments operations within a financial institution
Proven ability to manage complex workflows and cross functional partnerships
Strong risk, control, and compliance orientation
Demonstrated success driving operational efficiencies and continuous improvement
Familiarity with Treasury Management operations and ACH services
Experience supporting regulatory exams and audits
Leadership experience in a matrixed environment
Credentials such as AAP, APRP, CTP or similar

Responsibilities

Lead end-to-end ACH operations, including Deposit Operations ACH and Treasury Management ACH services
Establish consistent workflows, service standards, controls, and escalation routines across ACH teams
Ensure timely and accurate processing, exception management, and issue resolution
Serve as the primary operational escalation point for complex ACH matters
Strengthen collaboration between Deposit Operations and Treasury Management while maintaining aligned, consistent execution
Lead and develop a high-performing ACH team focused on service excellence, risk management, and continuous improvement
Mentor and engage team members while fostering innovation and accountability across operations
Support Payments strategy objectives by ensuring compliance with NACHA Operating Rules, EPAY requirements, and applicable banking regulations
Oversee monitoring, testing, and validation of ACH processes, rule changes, and system enhancements
Maintain audit readiness and manage remediation efforts as needed
Participate in internal and external audits, risk assessments, and regulatory reviews
Partner with Risk, Compliance, Fraud Operations, Legal, and external payment partners to identify and mitigate operational and regulatory risk
Ensure settlement accuracy across multiple ACH processors and payment platforms
Partner with Accounting to support reconciliation, cash application, and audit requirements
Develop and maintain dashboards to track payment volumes, performance, costs, fraud trends, and disputes
Support the Payments Operations & Strategy Manager as the operational SME for emerging payment rails, including Real Time Payments, Fed Now, stablecoin, and other evolving bank payment technologies
Provide operational insight on risks, use cases, and readiness considerations
Partner on feasibility analysis, solution design, and implementation planning
Ensure operational impacts are fully understood and addressed prior to adoption
Contribute to long-term payments strategy and initiatives shaping the future of payments operations
Identify opportunities to reduce manual work, rework, and operational friction
Drive process improvements to increase straight-through processing (STP) rates and reduce errors while maintaining robust controls
Partner with Technology and Continuous Improvement teams on enterprise payments initiatives
Establish and monitor KPIs, SLAs, and quality metrics for ACH operations
Enhance reporting, transparency, and data driven decision making
Adheres to Seacoast Bank’s code of conduct.