ACH Product Owner

Fiserv•Remote, Florida, FL

4d•Onsite

About The Position

Own product execution for Automated Clearing House (ACH) payments capabilities on the Finxact platform, from discovery through release and production optimization. Work with engineering, operations, compliance, implementation and client-facing teams to deliver ACH features that support reliable processing, regulatory alignment and measurable client outcomes. The role is on-site Monday through Friday, with an assigned schedule of 8:00 a.m. to 5:00 p.m., and requires occasional travel of up to 10%. Use of a computer and audio equipment is required.

Requirements

At least 6 years of experience in product ownership, business analysis or product delivery within payments, banking, fintech or core processing environments.
At least 3 years of hands-on experience with ACH payments, including origination, posting, exceptions, returns, NOCs and settlement operations.
At least 3 years of experience managing product backlogs, writing epics, features and user stories, and defining acceptance criteria for technology delivery teams.
At least 3 years of experience applying NACHA operating rules and governance expectations to ACH processing, controls and product requirements.
Experience collaborating with compliance and risk stakeholders on ACH controls related to Regulation E, OFAC requirements, fraud considerations and operational risk.
Experience using operational and product metrics to prioritize enhancements, investigate defects and improve product reliability.
Bachelor’s degree or higher in Business, Finance, Information Technology or a related field, or an equivalent combination of education, related experience and/or military experience.
Must currently possess valid and unrestricted U.S. work authorization; candidates requiring sponsorship now or in the future will not be considered.

Nice To Haves

Experience with Finxact ACH concepts and configuration patterns, including network ACH controls and return or NOC behaviors.
Familiarity with API-based product ecosystems and tools such as Postman for workflow validation.
Understanding of ODFI and RDFI roles, SEC codes, prenotes, same-day ACH constraints and settlement risk considerations.
Experience supporting go-to-market readiness through internal enablement, implementation guidance and product documentation.

Responsibilities

Own the ACH product backlog, feature priorities and release scope aligned to company goals, client needs and market demands.
Define feature-level objectives and success metrics for ACH capabilities, including straight-through processing, exception rates, return rates and settlement timeliness.
Develop requirements and acceptance criteria for ACH use cases, including origination, incoming processing, returns, Notifications of Change (NOCs), reversals and same-day ACH.
Translate NACHA rule updates and regulatory changes into actionable product requirements, controls and implementation plans.
Lead cross-functional discovery and delivery with engineering, architecture, risk, compliance, operations and client-facing teams.
Own ACH exception and decisioning experiences, including workflows for pay and return decisions, NOC handling and return file outcomes.
Partner with API and platform teams to define ACH APIs, event flows and integration patterns with internal and external systems.
Validate product increments through scenario-based testing and user acceptance, including edge cases across returns, NOCs and settlement windows.

Benefits

Fuel Your Life program supporting physical, financial, social and emotional well-being.
Paid holidays and generous time away policies.
No-cost mental health support through Employee Assistance Programs.
Living Proof peer-recognition program with points redeemable for rewards.
Eight Employee Resource Groups.
Professional growth through training, development and internal mobility opportunities.
Medical, dental, vision, life and disability insurance options available from day one.
Retirement planning including a 401(k) match and discounted shares through the Employee Stock Purchase Plan.
Tuition assistance and reimbursement program.
Paid parental and military leave.