ACH Operations Analyst

Evolve Bank & Trust; Memphis (TN); On-site; USD 42,000 - 62,000; Full time

Job summary

Evolve Bank & Trust in Memphis, TN seeks an ACH Operations Analyst responsible for daily Deposit Operations functions, ACH regulations, and the bank’s compliance posture.

You will handle origination, reconciliations, customer support, and ongoing monitoring, with emphasis on accuracy, deadlines, and collaboration with cross‑functional teams.

Qualifications

• High school diploma or equivalent; banking experience preferred.
• ACH knowledge and Deposit/Bank Operations experience preferred.
• Working knowledge of banking regulations and compliance.

Responsibilities

• ACH origination and compliance monitoring.
• Balance cash letters daily.
• Process collection items and deposits.
• Provide customer service support.
• Balance debit card activity and monitor related items.
• Monitor deposit retention and regulatory compliance.
• Open new deposit accounts and manage item processing.
• Support online and mobile banking functions.

Skills

Typing accuracy

Communication

Leadership

Attention to detail

Time management

Education

High school diploma

Job description

Job Description

The ACH Operations Analyst will be responsible for all duties associated with the daily functions and processing of the Deposit Operations, knowing ACH regulations and understanding the related impact on financial institutions.

Main Job Tasks And Responsibilities

• ACH origination and compliance monitoring.
• Balance cash letter and bank cash daily.
• Collection items processing.
• Customer Service support.
• Ability to balance debit card activity.
• Monitoring all Deposit related retention and compliance.
• New deposit account opening and special item processing as needed.
• Online and mobile banking monitoring and support.
• Perform daily and monthly reconcilements.
• Process daily overdrafts based on the banker’s decision, and work through any adjustments or chargebacks.
• Process garnishments as directed by Legal/Compliance.
• Process Reg D Letters.
• Process Stops and ACH return items.
• Review and monitor of Deposit maintenance reports such as dormant accounts, large dollar items, etc.
• Settle the bank funds daily.
• Year-end processing and compliance.
• Maintain a working knowledge of all compliance regulations and ensure the bank adheres to said regulations.
• Assist Bank Operations and Branch Administration as needed and as directed by management.
• Additional responsibilities and duties as directed by Leadership.

Education And Experience

• High school diploma with experience in banking industry or related field preferred.
• ACH experience and Deposit/Bank Operations experience preferred.
• Working Knowledge and understanding of all banking regulations.

Key Competencies

• Must possess accurate typing, spelling and grammar skills as well as superior written and oral communication skills.
• Must possess the ability to set priorities and meet deadlines.
• Must be willing and capable of defining problems and taking initiative to propose practical solutions.
• Strong communication, leadership, and attention to detail
• Ability to communicate and build rapport with others in core departments and with internal and external business partners.
• Take initiative, be able to organize and prioritize daily responsibilities and meet established deadlines.
• Ability to work overtime if/when needed.

Schedule

• Monday - Friday