ACH Operations Lead: Compliance, Risk & Team Growth

Evolve Bank & Trust; Memphis (TN); On-site; USD 90,000 - 130,000; Full time

Job summary

Evolve Bank & Trust is seeking an ACH Operations Assistant Manager to oversee daily ACH activities, ensure accurate, timely, and compliant processing, and lead the ACH Operations team.

The role emphasizes risk monitoring, regulatory compliance (NACHA rules, Regulation E, BSA/AML), and collaboration with Treasury Management and other groups to enhance services and efficiency. A bachelor's degree and 5+ years in ACH or related banking operations with supervisory experience are expected.

Qualifications

• Bachelor's degree 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 applicable 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.

Skills

Leadership

Operational risk management

NACHA rules knowledge

Regulatory compliance

Process improvement

Communication

Team supervision

Education

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

Tools

ACH processing systems

Core banking platforms

Microsoft Office

Reporting tools

Job description

Evolve Bank & Trust is seeking an ACH Operations Assistant Manager to oversee daily ACH activities, ensure accurate, timely, and compliant processing, and lead the ACH Operations team.

The role emphasizes risk monitoring, regulatory compliance (NACHA rules, Regulation E, BSA/AML), and collaboration with Treasury Management and other groups to enhance services and efficiency. A bachelor's degree and 5+ years in ACH or related banking operations with supervisory experience are expected.