ACH Operations Implementation Lead

RBC; Toronto; On-site; CAD 70,000 - 90,000; Full time

Job summary

A leading financial institution in Toronto is seeking a professional with 5-7 years of experience in ACH Operations. The role involves providing operational support, resolving client issues, and executing technical implementations. The ideal candidate should have strong communication skills and a solid understanding of Cash Management products. This position offers competitive compensation and a dynamic work environment.

Benefits

Comprehensive Total Rewards Program

Flexible work/life balance options

Opportunities for development and coaching

Qualifications

• 5-7 years’ experience in ACH Operations and financial institutions.
• Experience in Cash Management and Treasury product implementations.
• Understanding of technical integration documents and Nacha rules.

Responsibilities

• Monitor exposure limits for ACH Originators.
• Resolve client issues and collaborate with product teams.
• Execute technical implementation tasks and system configurations.

Skills

ACH Operations

Technical implementation

Cash Management products

Client communication

Education

Accredited ACH Professional (AAP) Certification

Job description

Overview

Job Summary

The ACH Operations team at RBC is a cross-functional team responsible for RBC suite of money movement and payments products. Numerous companies depend on our service for their payment needs. The Operations team is committed to offering support to our clients and reimagining how payments will evolve to move their money in a convenient and secure manner while remaining compliant with payment regulations.

The role requires cross-functional collaboration with Client Oversight, Product, Engineering, and our GTM teams. You will be responsible for providing day-to-day operational support to our clients and ensuring frictionless Digital client implementations by working closely with internal RBC Clear partners as well as client’s technical team. This role will also involve supporting RBC internal partners to resolve client technical issues and working with product owners to improve the product offerings based on client feedback.

Responsibilities

• Monitor exposure limits for ACH Originators, including acting as a liaison between the client and Credit Risk teams.
• Responsible for ACH investigations including requests for record of authorization, ACH recalls, ACH reversals, and trace requests.
• Work directly with clients to resolve issues; gather customer needs and collaborate with the product team and account managers to resolve them.
• Execute day-to-day technical implementation tasks including system configuration, problem resolution, solution research, business analysis, and client training within established SLAs.
• Provide technical walkthroughs of RBC Clear products including portal configurations, H2H connections, and payment & statement file specifications.
• Act as RBC project manager to establish project plans for client integrations and drive projects to completion.
• Lead technical resource to manage client discussions for product onboarding; participate in client RFP or technical workshops as requested.
• Provide support for client host-to-host channel testing for various products.

What you need to succeed

• 5-7 years’ experience in ACH Operations, demonstrated technical implementation experience at a financial institution, delivering a seamless digital experience.
• Experience in managing Cash Management / Treasury product implementations, host-to-host/API solutions (file formats/connectivity protocols such as SWIFT FileAct, SFTP).
• Experience in implementing account statement formats (MT/CAMT/BAI2) over SWIFT and host-to-host delivery channels.
• Strong understanding of Cash Management Products such as ACH, RTP, Check.
• Ability to interpret technical integration documents and effectively communicate with client’s technical teams.
• Familiar with Nacha rules and regulations.
• Accredited ACH Professional (AAP) Certification preferred but not required.

What’s in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

• A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation.
• Leaders who support your development through coaching and managing opportunities.
• Work in a dynamic, collaborative, progressive, and high-performing team.
• Opportunities to do challenging work.
• Flexible work/life balance options.

Job Details

Address: RBC CENTRE, 155 WELLINGTON ST W, TORONTO

City: TORONTO

Country: Canada

Work hours/week: 37.5

Employment Type: Full time

Platform: CAPITAL MARKETS

Job Type: Regular

Pay Type: Salaried

Posted Date: 2025-05-22

Application Deadline: Not specified

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Inclusion and Equal Opportunity Employment

At RBC, we believe an inclusive workplace that has diverse perspectives is core to our growth. RBC strives to deliver a workplace based on respect, belonging and opportunity for all.