Senior ACH Payment Operations Specialist
About The Position
Under the guidance of the Deposit Operations Manager, the Senior ACH Payment Operations Specialist serves as the company’s subject matter expert for ACH payment processing, NACHA compliance, operational risk management, and process improvement. The role oversees complex ACH operations, resolves escalated issues, ensures regulatory compliance, collaborates across departments, and supports strategic initiatives. It partners with Cash Management, Commercial Banking, Compliance, Deposit Services, Risk Management, and Technology teams to ensure efficient, accurate, and secure ACH transaction processing. Strong problem-solving, critical-thinking, and organizational skills are needed.
Requirements
- Strong knowledge of NACHA Operating Rules, electronic payments, and banking regulations.
- Strong written and verbal communication skills.
- Strong organizational skills and ability to multitask to meet established deadlines.
- High level of accuracy and attention to detail.
- Ability to use analytical skills to solve technical and non-technical problems.
- Ability to adapt to change.
- High regard for trust and confidentiality.
- Proficiency in Microsoft Office products.
- Experience in a professional, service-focused, fast-paced environment.
- College degree or related work experience.
Nice To Haves
- Accredited ACH Professional (AAP) certification preferred, 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 preferred; a commensurate combination of education and experience will also be considered.
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, and escalate 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 related to ACH processing and payment exceptions.
- Identify process improvement opportunities and implement solutions that enhance 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 the Kennebunk Savings brand by recommending products and services and supporting the organization’s community focus and commitment to being a premier employer.
- Understand, support, and adhere to applicable organizational policies and procedures and state and federal regulations.
- Emphasize teamwork within the department and company.
- Keep abreast of company news and information.
- Complete required training and policy reviews.
- Serve on committees as needed and take on additional tasks and duties.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
