Automated Clearing House (ACH) Coordinator

Napoleon State Bank•Napoleon, IN

11d•Onsite

About The Position

The Automated Clearing House (ACH) Coordinator manages the bank’s daily ACH activity and processing, ensuring work is completed accurately and within required deadlines. The role oversees ACH operations and staff coordination, manages compliance with applicable rules and regulations, and supports risk mitigation through appropriate internal policies and controls. The coordinator provides ACH and wire transfer support to customers and employees, manages customer relationships and origination contracts, and completes ACH reclamations, returns, and recurring customer transactions. The role also leads ACH audits and risk assessments, coordinating with external audit firms and the ACH team to address findings and maintain regulatory and NACHA compliance. The position has supervisory responsibilities and may require occasional travel, including out-of-town or overnight business travel.

Requirements

High school diploma or equivalent required.
Six months to one year of related experience and/or training, an equivalent combination of education and experience, or a one-year college or technical school certificate.
AAP certification or willingness to obtain certification.
Strong analytical and problem-solving skills.
Excellent attention to detail and accuracy.
Proficient computer skills, including Microsoft Office and ACH software.
Ability to manage multiple priorities and meet deadlines.
Strong written and verbal communication skills.
Ability to maintain confidentiality and exercise sound judgment.
Team-oriented approach and commitment to supporting ACH objectives.
Ability to lift and move up to 20 pounds of office supplies and equipment.
Ability to perform some bending, turning, and twisting.

Nice To Haves

Associate or bachelor’s degree in business, finance, or a related field.

Responsibilities

Manage daily ACH activity, including origination, receiving and processing transactions, maintenance, scheduling, fee collection, customer error resolution, and monitoring daily volumes.
Supervise and coordinate the ACH area, working with ACH specialists to ensure daily operations are completed accurately and on time.
Oversee ACH-related risk, maintain knowledge of applicable rules and regulations, and develop internal policies to support compliance.
Provide customer support and serve as an internal resource for ACH and wire transfer functions, troubleshooting issues, answering questions, and identifying appropriate solutions.
Oversee origination contracts and act as a relationship manager for bank customers; coordinate and conduct onsite and offsite customer meetings to support relationships, business development, and customer needs.
Support wire transfer operations, including processing customer requests, receiving and posting incoming transfers, backing up the collection of transfer details, and ensuring proper authorization and authentication.
Complete ACH reclamations accurately and within required timeframes, following applicable ACH rules, 31 C.F.R. Part 210, Green Book requirements, and bank procedures.
Process ACH returns.
Set up and maintain recurring customer transactions and monitor exceptions.
Identify opportunities to improve processes, mitigate risk, and increase operational efficiency within the ACH department.
Demonstrate leadership, accountability, and effective communication in support of the ACH team and customers.
Manage ACH audits and risk assessments; serve as the primary liaison with external audit firms, coordinate audit requests, facilitate communication, track findings, and ensure corrective actions are implemented.
Analyze audit results and collaborate with the ACH team to strengthen controls, mitigate risk, and maintain regulatory and NACHA compliance.
Perform other job-related duties as assigned.