ACH Portfolio Manager

NBT Bank•Oneida, NY

17h•$62,375 - $79,405•Onsite

About The Position

The ACH Portfolio Manager is responsible for the ongoing oversight, monitoring, and risk management of the Bank's ACH Origination portfolio. This position ensures ACH Originators operate within approved risk tolerances, internal policies and procedures, and Nacha Operating Rules. The ACH Portfolio Manager conducts periodic reviews, monitors transactional and credit risk indicators, identifies emerging risks, and collaborates with business line partners to maintain a safe and compliant ACH program. This role serves as a key second-line operational risk function supporting ACH Origination activities and provides guidance to internal stakeholders regarding ACH risk management practices.

Requirements

Bachelor’s degree or equivalent combination of education and work experience
3+ years of experience in ACH operations, treasury management, commercial banking, risk management, or related financial services.
Accredited ACH Professional (AAP) designation
Experience managing ACH Originator portfolios, exposure limits, and risk mitigation strategies
Experience applying Nacha Operating Rules and ACH network requirements in a banking or financial services environment
Experience with treasury management products and services.
Experience working with FFIC and other regulatory guidance and ACH risk management best practices
Strong understanding of ACH origination processes, transaction flows, and associated operational and credit risks
Ability to interpret and apply Nacha Rules, regulatory guidance, and internal policies to business situations
Strong analytical, investigative, and problem-solving skills
Ability to identify trends, anomalies, and emerging risk through portfolio analysis and reporting
Strong written and verbal communication skills, including the ability to present risk-related information to various audiences
Strong organizational, planning, and project management skills
Ability to prioritize competing responsibilities and work independently in a fast-paced environment.
Proficiency with Microsoft Excel, reporting tools, and data analysis techniques.
Strong relationship management skills with the ability to collaborate across business lines and support functions.
Ability to make sound, risk-based decisions and exercise professional judgment.
Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.

Responsibilities

Oversee assigned ACH operations activities to perform periodic ACH Originator reviews, including analysis of customer activity, risk profile, operational controls, transaction volumes, return activity, financial condition, and compliance with Bank policies and Nacha requirements.
Manage and monitor ACH portfolio reporting, including risk metrics, exposure utilization, return rates, exception activity, portfolio concentrations, and emerging risk trends.
Monitor unauthorized return rates, administrative return rates, overall return performance, and Nacha threshold compliance; investigate trends and recommend corrective actions when necessary.
Monitor ACH Originator activity for unusual, suspicious, or high-risk transaction patterns, including sudden volume increases, changes in transaction behavior, elevated return activity, or potential fraud indicators.
Monitor ACH Originators for inactivity, analyze dormant relationships, and coordinate appropriate account maintenance, limit adjustments, or service deactivation when warranted.
Oversee the completion of ACH exposure management, including periodic credit exposure renewals, limit reviews, limit increase requests, and ongoing assessment of customer risk tolerance and approved origination limits.
Identify, document, and escalate policy exceptions, Nacha rule violations, operational deficiencies, and emerging ACH risks to management and appropriate governance committees.
Partner with Treasury Management, Commercial and Business Banking, Credit, Operations, Compliance, and Risk Management to support ACH risk decisions, customer requests, and portfolio management initiatives.
Provide ACH risk guidance and education to internal stakeholders and maintain awareness of Nacha rule changes, regulatory expectations, and industry best practices.
Assist with Nacha audits, regulatory examinations, internal audits, and independent reviews by gathering documentation, responding to inquiries, and supporting corrective action plans.
Other duties as assigned.

Benefits

Generous Paid Time Off: At least 22 days annually, prorated in the year of hire.
Parental Leave: Six weeks of paid leave at 100% of your salary.
Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants.
Dental and Vision Coverage: Ensuring your overall health and well-being.
Flexible Spending Accounts: For healthcare and dependent care expenses.
Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage.
Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary Benefits: Including hospital, accident, and critical illness coverage.
Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.
Adoption Assistance: Supporting your growing family.
Tuition Reimbursement: Invest in your education and career growth.
Employee Assistance Program (EAP): Access to support and resources.
Pet Insurance: For all your furry friends.
Financial and Banking Services: Various banking services benefits and financial planning assistance.
Paid Sick and Safe Leave: For your health and safety.