Sr. ACH Payment Ops Specialist

Choice Bank•Golden Valley, MN

12h

About The Position

This role can be worked from any Choice Bank location in Minnesota or North Dakota. The Senior ACH Specialist plays a critical role in managing electronic money transfers through the Automated Clearing House (ACH) Network. The ACH Network facilities electronic money transfers between banks, businesses, and individuals. The ACH Specialist also plays a vital role in adhering to NACHA rules, ensuring accurate and reliable money movement. The ACH Specialist reviews detailed ACH files, ensuring accuracy, and resolving discrepancies in a timely manner along with accounting errors, and reliable money movement. Monitors and manages ACH exceptions, including research, adjustments, unauthorized transactions, and ACH disputes. (POAs, LOIs, WSUDs, etc.) Process ACH reclamations and research government payments on deceased accounts in a timely manner to ensure losses are avoided. Assure audit compliance and procedure quality control. Recommends and initiates corrective actions, and ensures compliance with established Bank policies, procedures, and all applicable laws, Nacha rules, regulations. Studies and evaluates the impact of applicable Nacha regulatory changes. Takes ownership and ensures timely response and resolution of customer and Bank personnel issues; ensures activities run smoothly and efficiently; and maintains knowledge of internal resources to mitigate disruption of service to customers. Proactively contact branches and customers as needed to provide resolution and explanation of account activity. Assist in department projects. Ability to identify and mitigate risk / fraud related items, escalating appropriately. Assists with monitoring and maintaining risk and exposure limits.

Requirements

7 years of relevant experience of relevant experience with requisite competencies
Handles complex ACH processes and enhanced environments.
Leads process improvements and risk mitigation strategies.
Advanced understanding of ACH operations, NACHA rules, and compliance requirements.
Expertise in ACH systems, risk monitoring, and exception management.
Accountable for complex tasks and projects with minimal supervision.
Uses judgment to resolve non-routine issues and guide junior staff.
Influences junior team members and serves as a subject matter expert.
Acts as a point of escalation for ACH-related issues.
Provides training and mentors junior team members.
AAP required; NCP and APRP preferred.
This position requires travel to support business needs, including team collaboration, internal trainings, and cross-functional initiatives. The frequency and duration of travel will vary based on organizational priorities and team needs.

Nice To Haves

NCP
APRP

Responsibilities

Reviews detailed ACH files, ensuring accuracy, and resolving discrepancies in a timely manner along with accounting errors, and reliable money movement.
Monitors and manages ACH exceptions, including research, adjustments, unauthorized transactions, and ACH disputes. (POAs, LOIs, WSUDs, etc.)
Process ACH reclamations and research government payments on deceased accounts in a timely manner to ensure losses are avoided.
Assure audit compliance and procedure quality control.
Recommends and initiates corrective actions, and ensures compliance with established Bank policies, procedures, and all applicable laws, Nacha rules, regulations. Studies and evaluates the impact of applicable Nacha regulatory changes.
Takes ownership and ensures timely response and resolution of customer and Bank personnel issues; ensures activities run smoothly and efficiently; and maintains knowledge of internal resources to mitigate disruption of service to customers.
Proactively contact branches and customers as needed to provide resolution and explanation of account activity.
Assist in department projects.
Ability to identify and mitigate risk / fraud related items, escalating appropriately.
Assists with monitoring and maintaining risk and exposure limits.