ACH Operations Business Analyst

South State Bank•Winter Haven, FL

1d•$74,400 - $118,848•Hybrid

About The Position

The SouthState story is one of steady growth, deep community roots, and an unwavering commitment to helping our customers move forward. Since our beginnings in the 1930s to becoming a trusted financial partner across the South and beyond - we are known for combining personal relationships with forward-thinking solutions. We are committed to helping our team members find their success while maintaining the integrity of our values: building trust, fostering lasting relationships and pursuing excellence. At SouthState, individual contributions are recognized, potential is cultivated and team members are inspired to achieve their greater purpose. Your future begins here! Summary This position is responsible for leading the analysis, coordination, and execution of ACH‑related responsibilities within enterprise and department level projects. This role serves as the primary ACH subject matter expert and business liaison for initiatives including system upgrades and enhancements, conversions, mergers, and acquisitions. This position owns ACH‑specific requirements definition, impact assessment, testing, validation, and operational readiness activities for projects sponsored by business or technology partners. The role partners closely with ACH and Payment Operations leadership to ensure all ACH requirements, controls, risks, and regulatory considerations are fully addressed and successfully implemented.

Requirements

Bachelors degree or higher preferred
Minimum of 5 years of progressively responsible experience in Payment Operations or related systems analysis roles
Advanced knowledge of ACH Operations and Payment Processing
Strong business analysis, requirements definition, and testing expertise
Proven experience supporting complex system changes and enterprise initiatives
Excellent written and verbal communication skills
Strong proficiency in MS Word, Excel, PowerPoint, and Outlook
Strong understanding of Nacha Rules and ISO 20022
Ability to communicate in person, on the phone, and through electronic channels
Ability to use a computer on a frequent basis, including typing and sustained attention to a monitor
Ability to sit, walk, and/or stand for extended periods of time
Ability to bend and reach

Nice To Haves

AAP or APRP Preferred
Experience with Power Query, Power BI, and Power Automate
Experience with PEP+ and CNS

Responsibilities

Serve as the business analyst and primary coordinator for ACH‑related components of enterprise projects impacting ACH Operations. Includes leading ACH scope definition, identifying business requirements, and testing strategy development for system and process changes.
Produce and maintain benchmark reports, KPI, and KRI reporting related to ACH performance and risk. Enhance and maintain reporting to monitor ACH origination activity, performance metrics, and project impacts.
Perform impact analysis and regression testing for system updates affecting ACH origination, receipt, settlement, and reporting.
Serve as primary subject matter expert in PEP+. Work with IT resources to develop Bot and API integrations with PEP+.
Partner with the ACH Manager and Team Leads to drive process improvement, operational readiness, and post‑implementation stabilization.
Document and manage ACH issues, defects, and risks identified during testing and implementation, working with vendors and internal technology teams to resolution.
Support ACH‑specific audit and risk assessment requests and responses, , risk monitoring efforts, control validations/testing
Ensure ACH procedures, controls, and documentation are updated and aligned with system changes and regulatory requirements
Develop ACH‑specific training materials, communications, and operational guidance resulting from project implementations.
Support payment initiatives for Wires and Instant Payments
Serve as SME for Nacha Rules and any Regulatory compliance changes related to ACH
It is the responsibility of this role to take ownership of all tasks and challenges that they encounter in the operation of their assigned position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.