ACH Operations Expert

IDBNY; New York (NY); On-site; USD 90,000 - 110,000; Full time

Benefits offered by this job

Hybrid schedule

Job summary

IDB Bank is seeking an ACH Operations Specialist to support daily ACH processing, ensuring accuracy and regulatory compliance with Nacha Rules. The role collaborates with Treasury Management, Client Service, and Risk teams to resolve exceptions, monitor deadlines, and maintain thorough documentation.

Responsibilities include originations, settlements, returns, reversals, and discrepancy investigations with emphasis on risk controls and regulatory adherence.

Qualifications

• Minimum 3–5 years of direct ACH Operations experience.
• Strong knowledge of the Nacha Operating Rules and ACH processing requirements.
• Experience with both ODFI and RDFI ACH operations.
• Hands-on experience with ACH origination, returns, NOCs, reversals, exceptions, settlement, and transaction research.

Responsibilities

• Perform daily ACH processing activities including incoming/outgoing files, origination, settlement, returns, exceptions, reversals, and adjustments.
• Monitor processing windows and ensure files/transactions are processed within deadlines.
• Review and resolve ACH processing exceptions, suspended transactions, and posting issues.
• Support ODFI origination activities, including review of originator activity and exposure limits.
• Monitor originator risk limits and assist with reviews for transactions exceeding exposure limits.
• Perform RDFI return processing and determine appropriate return codes per Nacha Rules.
• Research ACH transactions using trace numbers, IDs, settlement information, and history.
• Assist with documentation related to authorization, written statements, and returns.

Skills

ACH processing

Nacha Rules

ODFI operations

RDFI operations

Risk controls

Excel

Communication

Tools

Copilot

Microsoft Excel

Job description

IDB Bank is seeking an ACH Operations Specialist to support daily ACH processing, ensuring accuracy and regulatory compliance with Nacha Rules. The role collaborates with Treasury Management, Client Service, and Risk teams to resolve exceptions, monitor deadlines, and maintain thorough documentation.

Responsibilities include originations, settlements, returns, reversals, and discrepancy investigations with emphasis on risk controls and regulatory adherence.