ACH Payment Specialist I

Seacoast Bank; Orlando (FL); On-site; USD 52,000 - 72,000; Full time

Job summary

Seacoast Bank is seeking an ACH Payment Specialist to ensure secure processing of ACH transactions and daily operational support across dispute resolutions, DNEs, Reclamations, and stop payments. The role collaborates with related departments to optimize ACH operations and support Retail Branches.

Key duties include monitoring ACH files, preparing monthly and daily reports, and assisting with NACHA rule compliance and bank core conversions. A strong analytical mindset and teamwork are essential.

Qualifications

• High School Diploma or equivalent required.
• 1–3 years Banking experience; or a combination of education and experience.
• Nacha certification preferred.
• Strong analytical skills and attention to detail.
• Ability to work collaboratively within a team environment.
• Commitment to maintaining compliance and operational standards.
• PC proficient, including MS Word and MS Excel.
• Effective communication and collaboration capabilities.

Responsibilities

• Develop and update procedures for the department to align with current processes and growth.
• Provide support, assist with research, evaluation, testing and monitoring of ACH.
• Provide and assist with special projects, including bank core conversions.
• Prepare the monthly ACH Return Monitoring report.
• Prepare the daily ACH Macro Fed Balance Sheet.
• Monitor ACH file confirmations and open tickets for issues.
• Support the retail branches with questions, policies, procedures and NACHA rules relating to ACH.
• Support branches with disputes and Reg E claims and timeframes.
• Review risk associated with ACH Stop Payments and suspects; ensure timely processing.
• Review risk associated with DNEs and Reclamation notifications from US Treasury and/or Federal Reserve.
• Monitor and review compliance for Regulation E related to ACH consumer disputes.
• Complete all ACH training annually.
• Support Deposit Operations to ensure duties are completed accurately and timely.
• Provide ACH Dashboard monthly to Operations Support.
• Adhere to Seacoast Bank’s code of conduct.

Skills

Analytical skills

Attention to detail

Communication

Collaboration

MS Word

MS Excel

Education

High School Diploma or equivalent

Nacha certification preferred

Tools

MS Word

MS Excel

Job description

Location: Orlando, Stuart or The Villages in Florida

JOB SUMMARY

The ACH Payment Specialist plays a critical role in ensuring the efficient and secure processing of ACH transactions within the bank. The Specialist is responsible for the processing of the daily operational functions including Dispute Resolutions, Death Notification Entries (DNEs), Reclamations, Stop Payments, Federal Reserve adjustments, and ACH balancing and Rejects. They will also collaborate closely with relevant departments and stakeholders to optimize ACH operations and support the Retail Branches.

The ACH Payments Specialist plays a crucial role in the processing of the Bank’s ACH Functions and Operations.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Develop and update procedures for the department, where needed, to ensure that they align with the Bank’s current processes and on-going growth.
• Provide support, assist with research, evaluation, testing and monitoring of ACH.
• Provide and assist with special projects, including bank core conversions.
• Prepare the monthly ACH Return Monitoring report.
• Prepare the daily ACH Macro Fed Balance Sheet.
• Monitor the ACH file confirmations throughout the day, reporting any issues due to no emails being received, duplicate files, etc. and open tickets.
• Support the retail branches with questions, policies, procedures and/or NACHA rules relating to ACH.
• Support the retail branches with questions relating to disputes and Reg E claims and timeframes.
• Review the risk associated with ACH Stop Payment hits and suspects. Review for proper completion and process related returns timely.
• Review the risk associated with DNE’s and Reclamation notifications received from US Treasury and/or Federal Reserve.
• Monitor and review compliance for regulation E as it relates to ACH consumer disputes.
• Complete all ACH training provided annually.
• Support Deposit Operations team to ensure duties are completed accurately and timely.
• Provide ACH Dashboard monthly to Operations Support.
• Other tasks as directed by the ACH Payments Manager and / or ACH Payments Team Lead.
• Adheres to Seacoast Bank’s code of conduct.

EDUCATION and/or EXPERIENCE

• High School Diploma or equivalent required.
• 1-3 years Banking experience; or a combination of education and experience.
• Nacha certification preferred.
• Strong analytical skills and attention to detail.
• Ability to work collaboratively within a team environment.
• Commitment to maintaining compliance and operational standards.
• PC proficient, including MS Word and MS Excel.
• Effective communication and collaboration capabilities.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.