ACH Exceptions Specialist (Hybrid) – NACHA Expert & Risk

Torrington Savings Bank; Torrington (CT); On-site; USD 56,000 - 67,000; Full time

Benefits offered by this job

401k plan

Health insurance

HSA contribution

Life insurance

Wellness reimbursement

Tuition reimbursement

PTO

Volunteer PTO

Hybrid work

Job summary

Torrington Savings Bank is seeking an ACH Exceptions Specialist to manage the end-to-end processing of ACH exceptions, returns, and disputes. The role requires adherence to Nacha Rules, Regulation E, and bank policies, with strong attention to detail and risk management.

The Specialist will serve as the ACH subject matter expert, provide guidance across departments, and participate in system enhancements, training, and audits to ensure accurate payment processing and timely resolution.

Qualifications

• AAP certification is required.
• APRP certification preferred.
• Experience with ACH operations and Nacha Rules in banking environment.
• Strong understanding of Regulation E and ACH error-resolution requirements.

Responsibilities

• Manage end-to-end daily processing of ACH exceptions, returns, and disputes.
• Research death notifications, incl. post-death government benefit returns.
• Process Notices of Change (NOCs) and communicate updates to departments.
• Resolve originated ACH returns and errors with Treasury/Loan Ops as needed.
• Balance and reconcile daily ACH settlement General Ledger.
• Maintain records for ACH disputes and regulatory audits.

Skills

Attention to detail

Analytical skills

Time management

Communication

Education

AAP certification

APRP certification (preferred)

Tools

Microsoft Word

Excel

Outlook

PDF documents

Job description

Torrington Savings Bank is seeking an ACH Exceptions Specialist to manage the end-to-end processing of ACH exceptions, returns, and disputes. The role requires adherence to Nacha Rules, Regulation E, and bank policies, with strong attention to detail and risk management.

The Specialist will serve as the ACH subject matter expert, provide guidance across departments, and participate in system enhancements, training, and audits to ensure accurate payment processing and timely resolution.