ACH Administrator

Customers Bank; Malvern (Chester County); On-site; USD 60,000 - 80,000; Full time

Job summary

Customers Bank in Malvern, PA is seeking an ACH Specialist to manage daily ACH activity, reconciliation, and exception handling. You will work with NACHA rules and regulatory requirements to ensure accurate processing and reporting.

The role emphasizes attention to detail, customer service experience, and collaboration with compliance and risk teams to support audits and investigations.

Qualifications

• Strong working knowledge of NACHA operating rules, SEC codes, and Prenote requirements.
• 2+ years previous working experience with ACH.
• Hands-on ACH processing experience within a banking or financial services environment.
• Previous customer service experience.
• Strong analytical and problem-solving skills with the ability to research and resolve payment issues.
• Exceptional attention to detail and accuracy in a high-volume, deadline-driven environment.

Responsibilities

• Process daily ACH activity including origination, returns, and exception items; monitor account usage and transaction patterns for anomalies.
• Execute all daily batch control jobs related to ACH; process systematic and manual exceptions as needed.
• Perform daily reconciliation of ACH activity, investigate and resolve any discrepancies.
• Process incoming disputes received from the Fraud Department.
• Handle stop payments, DNE and unauthorized ACH transactions in accordance with NACHA rules and bank policy.
• Respond to and resolve internal and external inquiries pertaining to ACH transactions, rules, and processes.
• Maintain accurate records in compliance with regulatory retention requirements for ACH documentation.
• Ensure full adherence to applicable laws and regulations including Regulation CC, Bank Secrecy Act (BSA), OFAC, and the USA PATRIOT Act / Customer Identification Program (CIP).
• Collaborate cross-functionally with compliance, risk, and operations teams to support audits and regulatory reviews.
• Other duties as assigned.

Skills

ACH processing

NACHA rules

Attention to detail

Analytical skills

Customer service

Tools

FIS systems

Microsoft Office

AI & Automation tools

Job description

At Customers Bank, we believe in working hard, working smart, working together to deliver memorable customer experiences and having fun. Our vision, mission, and values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our team members are on their way to achieve their highest potential and be successful in their personal and professional lives.

Must be legally eligible to work in the United States without sponsorship, now or in the future, to be considered.

Who is Customers Bank?

Founded in 2009, Customers Bank is a super-community bank with over $22 billion in assets. We believe in dedicated personal service for the businesses, professionals, individuals, and families we work with.

We get you further, faster.

Focused on you: We provide every customer with a single point of contact. A dedicated team member who’s committed to meeting your needs today and tomorrow.

On the leading edge: We’re innovating with the latest tools and technology so we can react to market conditions quicker and help you get ahead.

Proven reliability: We always ground our innovation in our deep experience and strong financial foundation, so we’re a partner you can trust.

What You’ll Do

• Process daily ACH activity including origination, returns, and exception items; monitor account usage and transaction patterns for anomalies.
• Execute all daily batch control jobs related to ACH; process systematic and manual exceptions as needed.
• Perform daily reconciliation of ACH activity, investigate and resolve any discrepancies.
• Process incoming disputes received from the Fraud Department.
• Handle stop payments, DNE and unauthorized ACH transactions in accordance with NACHA rules and bank policy.
• Respond to and resolve internal and external inquiries pertaining to ACH transactions, rules, and processes.
• Maintain accurate records in compliance with regulatory retention requirements for ACH documentation.
• Ensure full adherence to applicable laws and regulations including Regulation CC, Bank Secrecy Act (BSA), OFAC, and the USA PATRIOT Act / Customer Identification Program (CIP).
• Collaborate cross-functionally with compliance, risk, and operations teams to support audits and regulatory reviews.
• Other duties as assigned.

What Do You Need?

• Strong working knowledge of NACHA operating rules, SEC codes, and Prenote requirements.
• 2+ years previous working experience with ACH.
• Hands-on ACH processing experience within a banking or financial services environment.
• Previous customer service experience.
• Strong analytical and problem-solving skills with the ability to research and resolve payment issues.
• Exceptional attention to detail and accuracy in a high-volume, deadline-driven environment.

Technology Skills

• Knowledge of Microsoft Office products.
• Previous experience with FIS systems.
• Familiar with AI & Automation tools that support productivity, workflow efficiency, and client engagement.

Customers Bank is an equal opportunity employer. We do not discriminate based upon race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, or other applicable legally protected characteristics.

We also provide “reasonable accommodations”, upon request, to qualified individuals with disabilities, in accordance with the Americans with Disabilities Act and applicable state and local laws.

Diversity Statement

At Customers Bank, we believe in working smart, working together, and having fun while delivering innovative solutions and memorable experiences for our customers. We are committed to the continual advancement of a culture which reflects the value we place on diversity, equity, and inclusion. We honor the diverse experiences, perspectives, and identities of our team members, and we recognize that it is their passion, creativity, and integrity that drives our success. Step into your future with us! Let’s take on tomorrow.