Sr. Manager, ACH Operations (Hybrid)

Capital One • McLean, VA

2d • $149,000 - $187,100 • Hybrid

About The Position

As an ACH Operations Senior Manager within the Enterprise Payments Operations organization, you will oversee the day-to-day operations of the bank's Automated Clearing House (ACH) network and transaction monitoring for various Lines of Business. You will lead an operating team of approximately 12 to 18 associates and two direct reports, driving the achievement of individual, team, and business metric goals in a fast-paced, remote-friendly environment. In this role, you will be instrumental in influencing simplification, automation, and modernization efforts, leading the build-out of transaction/file monitoring capabilities across all payment rails. You will collaborate with smart, passionate leaders across the organization to influence results that have a direct impact on the company’s bottom line while ensuring all processes remain "well-managed" through proactive risk mitigation and strategic project management. The ACH Operations Senior Manager is responsible for the following: Operational Oversight & Processing ACH & Payment Management: Oversee the daily processing of ACH transactions—including file submissions, data validation, and settlement—while ensuring strict adherence to NACHA rules and regulations. Transaction/File Monitoring: Manage hourly, daily, and monthly transaction monitoring across all enterprise payment rails in partnership with product and technology teams. Exception & Incident Management: Lead the investigation and resolution of complex exceptions (returns, NOCs, unauthorized transactions) and oversee incident management related to payment initiation and reconciliation. Service Level Excellence: Actively monitor department performance to ensure all service levels are consistently met or exceeded. Leadership & People Management Team Development: Manage, coach, and develop 2 direct reports and a team of 12–18 associates, fostering a high-performance culture in a remote work environment. Thought Leadership: Serve as a subject matter expert on emerging payments to ensure monitoring capabilities keep pace with evolving technology landscapes. Risk, Compliance & Audit Regulatory Oversight: Stay updated on regulatory changes, ensuring compliance with internal and external procedures while performing periodic self-audits. Risk Mitigation & Fraud: Monitor for fraudulent activity and implement robust controls to minimize risk associated with electronic transactions. Audit & Continuity: Manage department audit remediation efforts, establish internal controls, and execute business continuity tasks during disaster recovery scenarios. Strategy & Process Improvement Process Modernization: Analyze operational procedures to recommend and implement modifications that improve quality, efficiency, and automation. Cross-Functional Collaboration: Partner with stakeholders across the ACH value stream and various business units to solve complex issues and drive process change. Project Management: Lead cross-functional projects and system optimizations, including software upgrades and configuration changes in partnership with technical teams. Reporting & Analysis: Generate comprehensive reports on activity and performance metrics to identify trends and strategic areas for improvement. Location: West Creek 5 (Richmond, VA) or Center 2 (McLean, VA) or 802 Delaware Ave (Wilmington, DE) - this role is Hybrid, where you will be expected to spend 3 days per week working in office and the remainder of the week working virtually.

Requirements

• Bachelor's Degree or Military Experience
• At least 5 years of People Management experience
• At least 3 years of process or project management experience
• At least 3 years of experience in ACH operations
• At least 3 years of experience supporting, partnering and interacting with internal and external business clients

Nice To Haves

• Master’s Degree
• PMP, Lean, Agile, or Six Sigma certification
• At least 2 years of experience delivering large-scale initiatives in support of organizational change
• At least 5 years of experience working in payments
• At least 5 years of experience in risk management, compliance, or audit
• At least 5 years of experience in leading cross-functional teams within an organization
• At least 7 years of People Management experience
• At least 7 years of Process Management experience
• At least 3 years of experience with relationship management

Responsibilities

• Oversee the daily processing of ACH transactions—including file submissions, data validation, and settlement—while ensuring strict adherence to NACHA rules and regulations.
• Manage hourly, daily, and monthly transaction monitoring across all enterprise payment rails in partnership with product and technology teams.
• Lead the investigation and resolution of complex exceptions (returns, NOCs, unauthorized transactions) and oversee incident management related to payment initiation and reconciliation.
• Actively monitor department performance to ensure all service levels are consistently met or exceeded.
• Manage, coach, and develop 2 direct reports and a team of 12–18 associates, fostering a high-performance culture in a remote work environment.
• Serve as a subject matter expert on emerging payments to ensure monitoring capabilities keep pace with evolving technology landscapes.
• Stay updated on regulatory changes, ensuring compliance with internal and external procedures while performing periodic self-audits.
• Monitor for fraudulent activity and implement robust controls to minimize risk associated with electronic transactions.
• Manage department audit remediation efforts, establish internal controls, and execute business continuity tasks during disaster recovery scenarios.
• Analyze operational procedures to recommend and implement modifications that improve quality, efficiency, and automation.
• Partner with stakeholders across the ACH value stream and various business units to solve complex issues and drive process change.
• Lead cross-functional projects and system optimizations, including software upgrades and configuration changes in partnership with technical teams.
• Generate comprehensive reports on activity and performance metrics to identify trends and strategic areas for improvement.

Benefits

• Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website.

What This Job Offers

• Job Type: Full-time
• Career Level: Manager
• Number of Employees: 5,001-10,000 employees