ACH Administrator

Customers Bank; Northern (KY); Hybrid; USD 45,000 - 65,000; Full time

Job summary

Customers Bank is hiring for an ACH Operations role responsible for daily ACH processing, reconciliation, and exception handling. The candidate will work with the Fraud, Compliance and Risk teams to ensure accurate processing and regulatory compliance.

The role requires knowledge of NACHA rules, 2+ years ACH experience, and strong attention to detail in a high-volume setting. Banking experience and customer service are preferred.

Qualifications

• 2+ years of ACH experience in banking or financial services.
• Knowledge of NACHA rules and related codes.
• Ability to research and resolve payment issues with accuracy.

Responsibilities

• Process daily ACH activity including origination, returns, and exceptions.
• Run daily batch control jobs and handle NACHA-related tasks.
• Reconcile ACH activity and investigate discrepancies.
• Handle incoming disputes from Fraud Department.
• Process stop payments and unauthorized ACH transactions per policy.
• Respond to inquiries about ACH transactions and regulations.
• Maintain records in compliance with regulatory retention requirements.
• Collaborate with compliance, risk, and operations for audits.

Skills

NACHA rules knowledge

SEC codes awareness

Prenote requirements

ACH processing experience

Customer service experience

Analytical problem solving

Attention to detail

Tools

Microsoft Office

FIS systems

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.

Founded in 2009, Customers Bank is a super-community bank with $20.3 billion in assets at June 30, 2022. We believe in dedicated personal service for the businesses, professionals and families we work with. We offer banking and loan services across Florida, Illinois, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island and Texas. Customers Bank is a member of the Federal Reserve System with deposits insured by the Federal Deposit Insurance Corporation. Customers Bank is an equal opportunity lender. Customers Bank takes pride in delivering extremely high levels of customer service while charging comparatively very low fees; service that makes our clients say, “Wow.” Customers Bank, with its headquarters located in Malvern, Pennsylvania, is a subsidiary of Customers Bancorp, Inc., a bank holding company. The voting common shares of Customers Bancorp, Inc. are listed on the New York Stock Exchange under the symbol CUBI.