Assistant ACH Operations Manager

Evolve Bank & Trust•Memphis, TN

17h

About The Position

The Assistant ACH Operations Manager supports the oversight and daily management of ACH Operations, ensuring accurate, timely, and compliant processing of ACH transactions. The role provides leadership to ACH Operations staff, monitors operational risk, supports regulatory compliance, and partners with internal business units to improve ACH services and operational efficiency. The position assists with managing ACH origination, receipt, settlement, returns, reversals, Notifications of Change, exceptions, balancing, reconciliations, and file transmissions. It researches escalated operational issues, reviews high-risk items within established authority limits, supports client onboarding and risk reviews, and helps customers resolve ACH operational issues. It also contributes to audits, risk assessments, system implementations, testing, business continuity planning, workforce planning, reporting, and customer education.

Requirements

Minimum 5 years of ACH, Treasury Management Operations, Deposit Operations, or related banking experience.
Experience with commercial ACH origination, ACH risk management, and exception processing.
Strong knowledge of NACHA Operating Rules and banking regulations.
Strong understanding of ACH operations, settlement processes, and risk management principles.
Excellent analytical, organizational, and problem-solving skills.
Strong verbal and written communication abilities.
High attention to detail and commitment to operational excellence.
Proficiency with ACH processing systems, core banking platforms, Microsoft Office, and reporting tools.
Ability to manage multiple priorities and meet deadlines in a fast-paced environment.

Nice To Haves

Bachelor's degree in Business, Finance, Accounting, Banking, or a related field.
Minimum 3 years of supervisory, lead, or management experience.

Responsibilities

Assist in managing ACH origination, receipt, settlement, returns, reversals, Notifications of Change (NOCs), and exception processing.
Ensure ACH transactions are processed accurately and timely and comply with NACHA Rules and bank policies.
Oversee ACH balancing, reconciliations, and file transmission activities.
Research and resolve complex operational issues and escalated ACH inquiries.
Identify opportunities to improve processes, controls, and operational efficiency.
Provide daily supervision, coaching, training, and support to ACH Operations staff.
Assist with employee development, performance management, and goal achievement.
Promote accountability, accuracy, compliance, and customer service excellence.
Monitor ACH activity for operational risk, fraud exposure, and compliance concerns.
Review and approve exceptions, returns, unauthorized transactions, and other high-risk items within established authority limits.
Assist with audits, examinations, risk assessments, and internal control testing.
Ensure compliance with NACHA Rules, Regulation E, BSA/AML, OFAC, UCC Article 4A, and other applicable regulations.
Partner with Treasury Management, Deposit Operations, Compliance, Fraud Management, and Commercial Banking teams.
Support ACH client onboarding, risk reviews, implementation activities, and operational readiness assessments.
Assist customers with ACH limits, file transmission issues, operational exceptions, and service enhancements.
Support ACH fraud awareness and customer education initiatives.
Prepare and analyze ACH operational reports, volume trends, exception metrics, and key performance indicators.
Monitor ACH return rates and unauthorized activity for compliance with NACHA thresholds.
Assist with workforce planning, capacity management, and operational forecasting.
Support system implementations, upgrades, testing, and business continuity planning.
Perform other responsibilities as reasonably required.