ACH Operations Specialist Sr.

Flagstar; New York (NY); On-site; Full time

Job summary

A leading financial institution is seeking a Senior ACH Operations Specialist responsible for executing and overseeing financial transactions. The ideal candidate will demonstrate expertise in ACH and Check Operations while ensuring compliance with regulatory standards. The role involves high volumes of transaction processing, issue resolution, and process improvement recommendations.

Benefits

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Disability Insurance

Comprehensive Leave Program

Qualifications

• 2+ years in ACH Operations within a financial institution.
• Strong knowledge of NACHA rules and check processing.
• Experience with ACH processing systems.

Responsibilities

• Process and verify high-volume ACH transactions.
• Research discrepancies to ensure accuracy.
• Monitor rejects and resolve outstanding items.

Skills

Attention to Detail

Analytical Skills

Communication

Collaboration

Education

High School / High School Equivalency (GED, HiSET, TASC) / Foreign Equivalent

Tools

Microsoft Office Suite

Job description

Position Title

ACH Operations Specialist Sr.

Location

New York, NY 10018

Job Summary

The Senior Operations Specialist in the ACH and Check Operations Department is responsible for the timely and accurate processing of financial transactions; and ensuring compliance with internal policies, regulatory requirements, and industry standards while maintaining operational efficiency.
The Senior Operations Specialist provides oversight for day-to-day processing, serves as a technical and procedural subject matter expert and supports strategic iniatives and issue resolution within the team. Assists department manager as needed.
For ACH Operations, this individual must have knowledge and understanding of NACHA rules and regulations. For Check Operations, must have knowledge and understanding of Check 21 and Regulation CC.

Pay Range: $19.13 - $23.91 - $ 28.69

Job Responsibilities:

JOB RESPONSIBILITIES

• Process, verify, and balance high-volume ACH transactions including credits, and debits, returns, and notifications of change (NOCs).
• Research discrepancies to ensure accuracy and prevent fraud or operational risk; and report issues of concern or matters of potential risk to management.
• Maintain daily logs and documentation for transaction processing and reporting.
• Monitor and resolve rejects, exceptions, and outstanding items within set timelines.
• Participate in end-of-day balancing and reconciliation procedures.
• Assist with resolution of operational issues and inquiries.
• Support business continuity and disaster recovery procedures related to transaction processing.
• Recommend process improvements to enhance efficiency and accuracy.

ADDITIONAL ACCOUNTABILITIES

• Performs special projects, and additional duties and responsibilities as required.
• Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.

JOB REQUIREMENTS

Required Qualifications:

• Education level required: High School / High School Equivalency (GED, HiSET, TASC) / Foreign Equivalent
• Minimum experience required: 2+ Years in ACH Operations within a financial institution or payments processing environment
• Experience with ACH processing systems
• Strong knowledge of NACHA operating rules, Regulation E, and the ACH network.
• Minimum experience required: 2+ Years in Check Operations within a financial institution or payments processing environment
• In-depth knowledge of check clearing processes, Check 21, Regulation CC, and item processing systems

Preferred Qualifications:

• AAP (Accredited ACH Professional) Certification

Job Competencies:

• Strong attention to detail and analytical skills
• Ability to work effectively under pressure in a deadline-driven environment
• Proficient in Microsoft Office Suite
• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.
• Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.
• Physical demands (ADA): No unusual physical exertion is involved.

Flagstar is an Equal Opportunity Employer

Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: Benefits | Flagstar Bank