ACH Operations Specialist

Customers Bank; Malvern (Chester County); On-site; USD 60,000 - 80,000; Full time

Job summary

Customers Bank in Malvern, PA is seeking an ACH Specialist to manage daily ACH activity, reconciliation, and exception handling. You will work with NACHA rules and regulatory requirements to ensure accurate processing and reporting.

The role emphasizes attention to detail, customer service experience, and collaboration with compliance and risk teams to support audits and investigations.

Qualifications

• Strong working knowledge of NACHA operating rules, SEC codes, and Prenote requirements.
• 2+ years previous working experience with ACH.
• Hands-on ACH processing experience within a banking or financial services environment.
• Previous customer service experience.
• Strong analytical and problem-solving skills with the ability to research and resolve payment issues.
• Exceptional attention to detail and accuracy in a high-volume, deadline-driven environment.

Responsibilities

• Process daily ACH activity including origination, returns, and exception items; monitor account usage and transaction patterns for anomalies.
• Execute all daily batch control jobs related to ACH; process systematic and manual exceptions as needed.
• Perform daily reconciliation of ACH activity, investigate and resolve any discrepancies.
• Process incoming disputes received from the Fraud Department.
• Handle stop payments, DNE and unauthorized ACH transactions in accordance with NACHA rules and bank policy.
• Respond to and resolve internal and external inquiries pertaining to ACH transactions, rules, and processes.
• Maintain accurate records in compliance with regulatory retention requirements for ACH documentation.
• Ensure full adherence to applicable laws and regulations including Regulation CC, Bank Secrecy Act (BSA), OFAC, and the USA PATRIOT Act / Customer Identification Program (CIP).
• Collaborate cross-functionally with compliance, risk, and operations teams to support audits and regulatory reviews.
• Other duties as assigned.

Skills

ACH processing

NACHA rules

Attention to detail

Analytical skills

Customer service

Tools

FIS systems

Microsoft Office

AI & Automation tools

Job description

Customers Bank in Malvern, PA is seeking an ACH Specialist to manage daily ACH activity, reconciliation, and exception handling. You will work with NACHA rules and regulatory requirements to ensure accurate processing and reporting.

The role emphasizes attention to detail, customer service experience, and collaboration with compliance and risk teams to support audits and investigations.