ACH Operations Specialist: Payments & Reconciliation

Golden-1-Credit-Union; Manlove (CA); On-site; USD 32,000 - 34,000; Full time

Job summary

Golden 1 Credit Union is seeking an ACH Payment Operations Specialist to manage outgoing ACH files, reconciliations, and money movements. You will ensure compliance with applicable regulations, maintain procedures, and support audit quality control while collaborating with internal teams.

You will also participate in training, cross-training, and process optimization projects to enhance operational performance and service levels within the Payment Operations department.

Qualifications

• Minimum high school education; bachelor's degree preferred in finance, accounting or business.
• 1+ years’ cash management or financial background preferred, or 2+ years in customer service, or 2+ years in a financial/operational role with relevant expertise.
• Meticulous attention to detail and precision in managing financial transactions.
• Proven problem-solving skills and strong communication abilities.
• Ability to multi-task, manage time effectively, and work independently or in a team.

Responsibilities

• Process distributions, post transactions, balance accounts, and create/send ACH files and related reconciliations.
• Maintain compliance with Nacha Rules/Greenbook, banking secrecy, AML laws; complete mandatory trainings.
• Investigate, resolve complex inquiries or discrepancies; escalate as needed to protect system integrity.
• Maintain detailed records of interactions and transactions; update workflow procedures; provide management statistics.
• Communicate effectively with internal staff, financial institutions, and members; support cross-functional teams.
• Participate in training, cross-training, and development programs; assist with system validation and initiatives.
• Identify process improvements and support digital projects, testing new solutions.

Skills

Attention to detail

Problem solving

Communication skills

Time management

Teamwork

Organizational skills

Computer skills

Multitasking

Education

High school diploma

Bachelor's degree in finance, accounting or business

Job description

Golden 1 Credit Union is seeking an ACH Payment Operations Specialist to manage outgoing ACH files, reconciliations, and money movements. You will ensure compliance with applicable regulations, maintain procedures, and support audit quality control while collaborating with internal teams.

You will also participate in training, cross-training, and process optimization projects to enhance operational performance and service levels within the Payment Operations department.