Senior ACH Payment Operations Specialist

Kennebunk Savings•Kennebunk, ME

About The Position

Kennebunk Savings is guided by its core values of Trust, Integrity, Proactive and Empathy, which shape how employees build relationships, make decisions, solve problems and work together. The Senior ACH Payment Operations Specialist supports this culture while serving as the company’s subject matter expert for ACH payment processing, NACHA compliance, operational risk management and process improvement. Under the guidance of the Deposit Operations Manager, this specialist oversees complex ACH operations, resolves escalated issues, ensures regulatory compliance, collaborates across departments and supports strategic initiatives. The role partners with Cash Management, Commercial Banking, Compliance, Deposit Services, Risk Management and Technology to support efficient, accurate and secure ACH processing. The position calls for strong problem-solving, critical-thinking and organizational skills. The position also supports audits and examinations, develops procedures and quality controls, trains internal teams, and participates in system upgrades, testing and product implementations. Employees are expected to follow organizational policies and regulations, promote the Kennebunk Savings brand and community focus, contribute to teamwork, complete required training and policy reviews, keep up with company information, and take on additional duties as needed.

Requirements

Strong knowledge of NACHA Operating Rules, electronic payments and banking regulations.
Proficiency in Microsoft Office products.
Strong written and verbal communication skills.
Strong organizational skills and the ability to multitask to meet established deadlines.
Accuracy and attention to detail.
Analytical skills to solve technical and non-technical problems.
Ability to adapt to change.
High regard for trust and confidentiality.
College degree or related work experience.
Able to perform essential job functions unaided or with reasonable accommodation; tasks include operating a computer and other office equipment, occasionally lifting and moving moderately heavy objects, and sitting for extended periods.

Nice To Haves

Accredited ACH Professional (AAP) certification, or willingness to obtain it within one year of hire.
Continuing certifications as an Accredited Payments Risk Professional (APRP) or Accredited Faster Payments Professional (AFPP).
Five or more years of ACH, payments, cash management or bank operations experience; a commensurate combination of education and experience will also be considered.
Experience in a professional, service-focused and fast-paced environment.

Responsibilities

Oversee accurate and timely processing of ACH transactions and related payment activities.
Review and approve complex ACH files, large-dollar transactions and exception items.
Monitor processing deadlines, settlement schedules and operational controls to ensure service-level performance.
Serve as the operational expert for ACH products, processes and regulatory requirements.
Ensure compliance with NACHA Rules, regulatory requirements and internal bank policies.
Review ACH activity for operational, fraud and compliance risks, escalating concerns appropriately.
Support internal and external audits, regulatory examinations and risk assessments.
Develop and maintain procedures, controls and quality-assurance standards for ACH operations.
Resolve escalated customer and internal partner inquiries about ACH processing and payment exceptions.
Identify process-improvement opportunities and implement solutions to improve operational efficiency and service quality.
Train internal departments and serve as a resource for complex operational issues.
Participate in system upgrades, testing and implementation of ACH products and services.
Collaborate with business units and technology teams on new product implementations and payment initiatives.
Promote Kennebunk Savings products and services, community focus and commitment to being a premier employer.
Support and follow applicable organizational policies and procedures and state and federal regulations.
Emphasize teamwork, keep abreast of company news and information, and complete required training and policy reviews.
May serve on committees and take on additional tasks and duties.