ACH Payment Processing Specialist

Delta Dallas; Dallas (TX); On-site; USD 65,000 - 85,000; Full time

Job summary

Delta Dallas is seeking an experienced ACH Payment Processing Specialist to join our operations team. You will handle processing of ACH transactions, ensure accuracy, and uphold regulatory compliance across daily payment activities.

You will apply NACHA rules and SEC codes, resolve exceptions, and collaborate with internal and external partners to maintain smooth processing and strong controls. This role requires attention to detail and the ability to work independently on time-sensitive tasks.

Qualifications

• Hands-on ACH processing experience in a financial institution or payment processor.
• Strong knowledge of NACHA operating rules, ACH return codes, and SEC codes.
• Ability to independently investigate and resolve ACH issues.
• Understanding of the full ACH lifecycle beyond basic data entry.

Responsibilities

• Process and monitor incoming ACH transactions for accuracy and timeliness.
• Research and resolve ACH exceptions, returns, and processing discrepancies.
• Apply NACHA rules and SEC codes to daily processing tasks.
• Coordinate resolutions with internal teams and external partners.
• Maintain accurate ACH activity records and documentation.
• Ensure compliance with banking procedures, regulations, and controls.
• Support wire transfers and other payment operations as needed.
• Identify opportunities to improve processing efficiency and accuracy.

Skills

ACH processing

NACHA rules

SEC codes

issue resolution

detail oriented

independent work

team collaboration

Job description

We are partnering with an established financial institution seeking an experienced ACH Payment Processing Specialist to join its banking operations team. This position is responsible for processing ACH transactions, ensuring accuracy, maintaining regulatory compliance, and supporting daily payment operations.

The ideal candidate will have strong, hands‑on ACH processing experience and a thorough understanding of ACH transaction workflows, banking regulations, and payment‑processing procedures.

Key Responsibilities

• Process and monitor incoming ACH transactions, ensuring accuracy and timely completion.
• Research and resolve ACH exceptions, returns, and processing discrepancies.
• Apply knowledge of NACHA operating rules, ACH return codes, and Standard Entry Class (SEC) codes.
• Understand ACH transaction workflows, including originating and receiving financial institutions.
• Investigate transaction issues and coordinate resolutions with internal teams and external partners.
• Maintain accurate records and documentation of ACH activity.
• Ensure compliance with established banking procedures, regulatory requirements, and internal controls.
• Assist with wire transfers and other payment operations as needed.
• Identify opportunities to improve processing efficiency and accuracy.

Qualifications

• Strong, hands‑on ACH processing experience required within a financial institution or payment‑processing organization.
• Thorough understanding of NACHA rules, ACH return codes, SEC codes, and payment‑processing procedures.
• Ability to independently research and resolve ACH transaction issues.
• Understanding of the complete ACH transaction lifecycle beyond basic data entry or system‑generated processing.
• Experience handling ACH returns, exceptions, and transaction reconciliation.
• Wire transfer processing experience is a plus.
• ACH certification preferred but not required.
• Strong attention to detail, analytical skills, and problem‑solving abilities.
• Excellent organizational skills and ability to manage time‑sensitive transactions.
• Ability to work independently while collaborating effectively with a team.

Why Consider This Opportunity?

• Join an established and respected financial institution.
• Opportunity for long‑term career growth and professional development.
• Stable, collaborative, and professional work environment.
• Play an important role in supporting critical banking operations.

Schedule

Monday–Friday | Full-Time | Onsite

Additional Information: Employment is contingent upon successful completion of background and credit screening.