ACH Operations Specialist: Precision, Risk & Reconciliation

IDBNY; New York (NY); Hybrid; USD 90,000 - 110,000; Full time

Job summary

IDBNY is seeking an experienced ACH Operations Specialist to oversee daily ACH processing, ensure compliance with Nacha rules, and resolve exceptions and discrepancies. You will collaborate with Treasury Management, Client Service, Risk, Compliance, and IT to maintain accurate processing and timely settlements.

The role requires 3–5 years in ACH operations, strong analytical skills, and knowledge of ODFI/RDFI processes.

Qualifications

• 3–5 years of direct ACH Operations experience
• Solid knowledge of Nacha Operating Rules
• Experience with ODFI and RDFI operations
• Hands-on origination, returns, reversals, disputes
• Understanding consumer vs non-consumer ACH requirements and Regulation E
• Strong analytical and problem-solving skills

Responsibilities

• Perform and monitor daily ACH processing activities, including files, origination, and settlement.
• Review and resolve ACH processing exceptions, posted issues, and discrepancies.
• Support ODFI origination activities, review activity, exposure limits, and unusual processing patterns.
• Monitor originator risk limits and escalate excessive exposure.
• Research ACH transactions using trace numbers, IDs, settlement information, and history.
• Assist with documentation, audits, and ACH system enhancements.

Skills

ACH processing

Nacha rules

ODFI/RDFI knowledge

Analytical thinking

Communication

Excel

Documentation

Tools

Copilot

Microsoft Excel

Microsoft Office

Job description

IDBNY is seeking an experienced ACH Operations Specialist to oversee daily ACH processing, ensure compliance with Nacha rules, and resolve exceptions and discrepancies. You will collaborate with Treasury Management, Client Service, Risk, Compliance, and IT to maintain accurate processing and timely settlements.

The role requires 3–5 years in ACH operations, strong analytical skills, and knowledge of ODFI/RDFI processes.