ACH Operations Specialist: NACHA & Payments

Patriot-Bank,-N.a.; Stamford (CT); On-site; USD 65,000 - 95,000; Full time

Job summary

Patriot Bank is seeking an ACH Analyst in Stamford, CT to support daily ACH processing, reconciliation, and monitoring. You will handle exception processing, reporting, and onboarding of new ACH customers with a focus on NACHA rule adherence.

The role requires a minimum of five years’ NACHA experience, an Accredited ACH Professional (AAP) credential, and strong Excel/communication skills. Travel is rare; attention to detail and accuracy are essential to maintain secure, compliant processing.

Qualifications

• AAP certification required.
• Five years’ experience with NACHA rules and regulations, preferably in Digital Payments.
• Bachelor’s degree or equivalent experience in banking/financial services preferred.

Responsibilities

• Support daily ACH processing, reconciliation, returns, exceptions, and notifications.
• Monitor ACH activity, transaction volumes, limits, and return rates; elevate issues as needed.
• Serve as a subject matter resource for ACH-related questions from employees, customers, and partners.
• Support new ACH customer and partner onboarding and ACH limit requests.
• Research and resolve ACH disputes, exceptions, returns, and operational issues.
• Assist with NACHA rule updates, training, and communication to employees and customers.
• Prepare ACH reports for management, the Board of Directors, NACHA, and other stakeholders.
• Support annual ACH originator reviews and risk assessments.
• Coordinate ACH audit and examination requests and maintain supporting documentation.
• Work with Fiserv, Direct Access participants, and other partners to resolve ACH issues.
• Maintain ACH procedures and process documentation.
• Identify opportunities to improve ACH reporting, monitoring, processes, and controls.
• Identify opportunities to automate manual ACH processes and reporting.
• Perform other duties and special projects as assigned.

Skills

Attention to detail

Strong communication

Time management

Customer service

Ability to handle multiple tasks

Organizational skills

Education

AAP certification

Bachelor’s degree or equivalent experience in banking/financial services

Tools

MS Excel

MS Word

Job description

Patriot Bank is seeking an ACH Analyst in Stamford, CT to support daily ACH processing, reconciliation, and monitoring. You will handle exception processing, reporting, and onboarding of new ACH customers with a focus on NACHA rule adherence.

The role requires a minimum of five years’ NACHA experience, an Accredited ACH Professional (AAP) credential, and strong Excel/communication skills. Travel is rare; attention to detail and accuracy are essential to maintain secure, compliant processing.