ACH Operations Specialist II

First Financial Bank; Cincinnati (OH); On-site; USD 26,174 - 31,684; Full time

Job summary

First Financial Bank in Cincinnati, OH is seeking an ACH Operations Specialist II to support electronic ACH payments and ensure NACHA compliance. You will interact with clients and internal teams to resolve settlement issues, handle disputes, and perform data entry and reporting tasks.

The role requires a high school diploma, proficiency in Microsoft Word/Excel, and strong customer service skills. Preferred: AAP certification, Jack Henry experience, and 3–5 years in banking ops.

Qualifications

• High School Diploma or equivalent.
• Intermediate knowledge of Microsoft Office Word & Excel.
• Strong customer service experience, including client issue resolution.

Responsibilities

• Manage workflow and delegate as appropriate.
• Process ACH client disputes and resolve issues with clients and internal teams.
• Research Level 2 issues and escalate as needed to Operations Specialists III or Manager.
• Balance daily ACH activity and perform data entry tasks.
• Coordinate annual release testing and disaster recovery exercise participation.

Skills

Excellent communication

Customer service experience

Data entry and organization

Education

High School Diploma or equivalent

Tools

Microsoft Word

Microsoft Excel

Jack Henry Banking Software

Job description

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written!

ACH Operations Specialist II

The ACH Operations Specialist II will perform functions to support the electronic banking transaction processing of Automatic Clearing House (ACH) payments while adhering to any and all applicable governances including the National ACH Association (NACHA) Rules, interact with clients and personnel from various banking institutions and internal departments to resolve issues in regard to transaction settlement or other inquiries. May be called upon to train and mentor new associates. Handles escalated issues and resolution needs.

Essential Functions / Responsibilities

• Ability to manage workflow and delegate as appropriate.
• NACHA File Specification Knowledge with ability to analyze client files and identify areas of concern and communicate results to clients.
• Process ACH Client Disputes
• Excellent written and verbal communication
• Understanding and compliance of NACHA Rules and Regulations Level 2 Issue Research & Resolution
• Ability to multitask
• Data Entry (i.e. file maintenance, transactions)
• Clerical Duties (i.e. filing, scanning)
• Admin Duties (i.e. escalation of issues, query writing, reporting)
• Document and Data Review ACH File processing
• Handles internal/external telephone calls
• Work with vendors to resolve system issues.
• Balancing of daily ACH activity
• Coordinates and participates in Annual Release testing, scheduling, and system maintenance.
• Coordinates and participates in Annual Disaster Recovery exercise testing.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job

• High School Diploma or equivalent
• Intermediate knowledge of Microsoft Office Word & Excel
• Strong customer service experience, including client issue resolution

Preferred Knowledge and Skills

• Intermediate knowledge of appropriate banking software (i.e. Jack Henry)
• 3- 5 years experience in Banking Operations or Retail Banking experience
• Accredited ACH Professional (AAP) Certification

Required Supervisory Responsibilities

• Assists in mentoring and training new associates
• Resolve Level 2 escalations or elevate to Operations Specialist III, Team Lead, or Manager

Physical Requirements

• Occasionally lifts and carries up to 50 lbs.
• Occasionally stands and walks.
• Frequently sits.

The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.

Development and Training Completion of training and passing of certification test for Accredited ACH Professional (AAP) Certification, if not already obtained.

Pay Range:: $19.47/hr to $23.56/hr

Benefits

We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing.

Please review our Benefits Guide.

Incentive Eligibility

All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.

It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.

We are an E-Verify Employer.

At first financial bank, our mission is clear: to be the best bank to do business with, the best place to work, and the best financial partner for our shareholders and the communities we serve.

We believe that how we work is just as important as what we achieve. That's why we're guided by core values that shape everything we do: Doing the right thing Teamwork Mutual respect Wellbeing Excellence.

Our success starts with our people. We know that when our associates are talented, engaged, and supported, they create outstanding results. If you're looking to be part of a team that values integrity, inclusion, and collaboration - where your growth matters - you'll find your future here.