ACH Manager (AAP)

Jobot; Seal Beach (CA); On-site; USD 100,000 - 140,000; Full time

Benefits offered by this job

401k

Profit sharing

Annual bonus

Flexible work environment

Job summary

Jobot is seeking an ACH Manager to lead the bank’s payment operations, including ACH processing and multi-rail channels like RTP and wires. This role acts as the primary compliance and risk lead, conducting daily risk assessments and ensuring regulatory adherence across units to streamline processes and strengthen controls.

The ideal candidate has a Bachelor’s degree, 5–10 years in banking/payments, supervisory experience, and AAP certification; APRP is a plus.

Qualifications

• Bachelor’s Degree or equivalent required.
• 5–10 years of banking operations or payments experience required.
• Supervisory experience required.
• AAP certification required.
• APRP certification preferred.
• Experience with ACH operations including returns, reversals, NOCs, reclamations, and originations.
• Experience with real-time or instant payments (RTP, FedNow) preferred.
• Exposure to wires, Zelle®, and additional payment channels preferred.
• Experience with payment system implementations or enhancements preferred.

Responsibilities

• Lead Bank’s payment operations with focus on ACH processing and multi-rail payments.
• Oversee ACH origination, receipts, real-time payments, wires, and Zelle®.
• Serve as primary compliance and risk lead for payment activities.
• Conduct daily risk assessments and ensure adherence to regulations and internal policies.
• Collaborate across units to strengthen controls and improve efficiency.

Skills

NACHA rules knowledge

RTP & FedNow familiarity

Regulation E knowledge

BSA/AML/OFAC understanding

Payment channels awareness

Risk assessment

Leadership & supervision

Education

Bachelor’s degree or equivalent

AAP certification

APRP certification (preferred)

Tools

Zelle® network exposure

Job description

ACH Manager need for well-established California bank that has been in operation for over 100 years

Salary: $100,000 - $140,000 per year

A bit about us:

We are a well-established California bank that has been in operation for over 100 years

Why join us?

• Strong benefits (M,D,V, and 401k)
• Profit sharing contribution
• Annual Bonus
• Flexible work environment

Job Details

The ACH Manager is responsible for leading the Bank’s payment operations, with a focus on ACH processing and broader oversight across a multi-rail payments environment. This includes ACH origination and receipt, real-time payments (RTP/instant payments), wires, Zelle®, and other emerging payment channels.

This role serves as the primary compliance and risk lead for all payment-related activities, conducting daily risk assessments and ensuring adherence to applicable regulations, rules, and internal policies. The ACH Manager partners across business units to strengthen controls, streamline processes, and enhance operational efficiency.

Required Knowledge

• Extensive knowledge of NACHA Operating Rules & Guidelines governing ACH processing and compliance.
• Strong understanding of Real-Time Payments network rules, including RTP and FedNow requirements.
• Comprehensive knowledge of Regulation E (Electronic Fund Transfers) and consumer protection requirements.
• In-depth familiarity with Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and OFAC regulations.
• Working knowledge of the Green Book governing federal government ACH payments.
• General understanding of wire transfer regulations and applicable payment network rules.
• Awareness of emerging payment technologies, digital payment trends, and evolving industry standards.

Education and Experience

• Bachelor’s Degree or equivalent required.
• 5–10 years of banking operations or payments experience required.
• Supervisory experience required.
• Accredited ACH Professional (AAP) certification required.
• Accredited Payments Risk Professional (APRP) certification preferred/recommended.
• Experience with ACH operations including returns, reversals, NOCs, reclamations, and originations
• Experience with real-time or instant payments (RTP, FedNow) preferred.
• Exposure to wires, Zelle®, and additional payment channels preferred.
• Experience with payment system implementations or enhancements preferred.

Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, age (40 and over), disability, military status, genetic information or any other basis protected by applicable federal, state, or local laws. Jobot also prohibits harassment of applicants or employees based on any of these protected categories. It is Jobot’s policy to comply with all applicable federal, state and local laws respecting consideration of unemployment status in making hiring decisions.

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