ACH Operations Lead—Compliance & Efficiency

Evolve Bank; Memphis (TN); On-site; USD 80,000 - 105,000; Full time

Job summary

Evolve Bank in Memphis, TN is seeking an ACH Operations Assistant Manager to lead daily ACH processing, ensure accuracy and compliance with NACHA rules, and manage a team of operations staff.

You will oversee origination, settlement, returns, and investigations, partner with Treasury and Compliance, and drive process improvements while controlling risk.

This role requires strong analytical, communication, and supervisory skills, with experience in banking operations and regulatory requirements.

Qualifications

• Bachelor's degree in Business, Finance, Accounting, Banking, or related field preferred.
• Minimum 5 years of ACH, Treasury Management Operations, Deposit Operations, or related banking experience.
• Minimum 3 years of supervisory, lead, or management experience preferred.
• Experience with commercial ACH origination, ACH risk management, and exception processing.
• Strong knowledge of NACHA Operating Rules and banking regulations.

Responsibilities

• Assist in managing ACH origination, receipt, settlement, returns, reversals, NOCs, and exception processing.
• Ensure ACH transactions are processed accurately, timely, and in compliance with NACHA Rules and Bank policies.
• Oversee ACH balancing, reconciliations, and file transmission activities.
• Research and resolve complex operational issues and escalated ACH inquiries.
• Identify opportunities to improve processes, controls, and operational efficiency.
• Provide daily supervision, coaching, training, and support to ACH Operations staff.
• Assist with employee development, performance management, and goal achievement.
• Promote a culture of accountability, accuracy, compliance, and customer service excellence.
• Monitor ACH activity for operational risk, fraud exposure, and compliance concerns.
• Review and approve exceptions, returns, unauthorized transactions, and other high-risk items within established authority limits.
• Assist with audits, examinations, risk assessments, and internal control testing.
• Ensure compliance with NACHA Rules, Regulation E, BSA/AML, OFAC, UCC Article 4A, and other appAlicable regulations.
• Partner with Treasury Management, Deposit Operations, Compliance, Fraud Management, and Commercial Banking teams.
• Support ACH client onboarding, risk reviews, implementation activities, and operational readiness assessments.
• Assist customers with ACH limits, file transmission issues, operational exceptions, and service enhancements.
• Support ACH fraud awareness and customer education initiatives.
• Prepare and analyze ACH operational reports, volume trends, exception metrics, and key performance indicators.
• Monitor ACH return rates and unauthorized activity to ensure compliance with NACHA thresholds.
• Assist with workforce planning, capacity management, and operational forecasting.
• Support system implementations, upgrades, testing, and business continuity planning.
• Other responsibilities as reasonably required.

Education

Bachelor's degree in Business, Finance, Accounting, Banking, or related field

Supervisory/lead experience

NACHA Rules knowledge

Regulatory compliance

Analytical/problem solving

Tools

MS Office

ACH processing systems

Job description

Evolve Bank in Memphis, TN is seeking an ACH Operations Assistant Manager to lead daily ACH processing, ensure accuracy and compliance with NACHA rules, and manage a team of operations staff.

You will oversee origination, settlement, returns, and investigations, partner with Treasury and Compliance, and drive process improvements while controlling risk.

This role requires strong analytical, communication, and supervisory skills, with experience in banking operations and regulatory requirements.