ACH Payments Manager

Texas Capital Bank; Richardson, Northern (TX, KY); Hybrid; USD 120,000 - 165,000; Full time

Job summary

Texas Capital Bank in Richardson, TX is seeking an ACH Payments Manager to lead a team of ACH Operations Specialists and own end-to-end ACH processing, including manual returns, stoppages, and reconciliation, while ensuring compliance with Nacha rules and regulatory deadlines.

This role expands into real-time payments with FedNow and RTP, requires strong leadership and data-driven staffing decisions, and partners with product, technology, and risk teams to optimize processing and automation.

Qualifications

• 7–10 years of progressive banking operations experience focused on ACH.
• 2+ years of direct team leadership in payments or deposit ops.
• Strong knowledge of Nacha Operating Rules and Federal Reserve Regulation E/Reg CC.
• Demonstrated experience managing high-volume, deadline-driven transaction processing.
• Proficiency with core banking products and Cash Management software.
• Advanced proficiency in Microsoft Excel and the Microsoft 365 suite.
• Strong written and oral communication with internal partners and external institutions.

Responsibilities

• Lead and develop a team of ACH Operations Specialists, including staffing and coaching.
• Oversee daily ACH processing, including manual returns, stop payments, and reconciliations per Nacha timelines.
• Direct processing of ACH files, reclamations, and service setups; ensure accuracy and documentation.

Skills

Analytical rigor

Operational discipline

Adaptability

Ownership mentality

Collaborative leadership

Communication skills

Team leadership

Tools

Fiserv core banking

Salesforce

Cash management software

Microsoft Excel

PowerBI

Job description

## ACH Payments ManagerApply: Richardson, TX: Full time: Posted Today: JR106118Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives. At Texas Capital, we do more than build business success. We build long-lasting relationships.Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to *The Dallas Morning News*’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks. For more information about joining our team, please visit us at www.texascapitalbank.com.**Key Responsibilities****Team & Operations Management*** Manage and develop a team of ACH Operations Specialists, including daily work allocation, performance coaching, and professional development* Own staffing adequacy and capacity planning; monitor production hours against transaction volumes and escalate staffing needs with supporting data* Establish and maintain standard operating procedures for all ACH processing functions, ensuring documentation remains current with Nacha rule changes and internal policy updates* Coordinate cross-training to maintain operational continuity during absences, volume surges, and staff transitions — eliminating single points of failure* Drive team accountability against intraday processing deadlines and regulatory return windows**ACH Processing & Exception Management*** Oversee the daily monitoring and processing of inbound and outbound ACH files, ensuring erroneous activity or system failures are identified and communicated immediately* Direct the processing of ACH manual returns, stop payments, rejected entries, and non-post items within Nacha-prescribed timelines (e.g., 2 banking days for unauthorized return entries under Nacha Operating Rules)* Manage ACH reclamation processing and ensure compliance with federal reclamation requirements* Supervise ACH origination and service setup, modifications, and deletions for the operations department* Maintain and validate daily ACH outgoing files for accuracy, review, and record retention* Prepare and review daily ACH reports for management review and approval**Instant Payments & Emerging Rails*** Oversee the processing and exception handling for real-time payment transactions across FedNow and RTP networks, including timeout errors, duplicate detection, return requests, and RFI messages* Monitor instant payment exception trends and adjust staffing and procedures as volume grows with client adoption of real-time payment rails* Partner with product, technology, and compliance teams on instant payment enhancements and new rail integrations**Deposit Operations Support*** Provide oversight and direct support for deposit research and adjustment entries to correct processing errors* Reconcile DDA and General Ledger variances by researching and resolving out-of-balance issues* Assist with IntraFi transaction processing upon request from middle office operations* Monitor GNI accounts for collateral adequacy; manage new, increasing, and decreasing collateral positions with FHLB upon front office direction* Provide coverage and support for money fund purchases, redemptions, and FDIC-insured deposit solutions, including transaction processing, provider reconciliation, and client service as needed**Process Improvement & Automation*** Identify, evaluate, and implement automation opportunities to reduce manual touch points and per-item processing time* Track efficiency gains from automation initiatives and report measurable outcomes to management (e.g., exception volume reduction, hours recovered)* Partner with technology teams on system enhancements, workflow tools, and reporting capabilities that improve ACH processing accuracy and throughput**Stakeholder & Partner Management*** Build and maintain strong working relationships with internal business partners, compliance, risk, technology, and front office teams* Serve as the primary operational point of contact for external financial institutions on ACH-related inquiries, ensuring timely and professional response within departmental and Nacha-mandated deadlines* Manage Salesforce case volume related to ACH operations, ensuring timely resolution and consistent client and partner communication* Coordinate with sub-custodians and money market mutual fund providers on trade settlement activity when supporting broader deposit operations functions**Compliance & Risk*** Ensure all ACH processing activities comply with Nacha Operating Rules, Federal Reserve Regulation E, UCC Article 4A, and internal bank policies* Monitor for regulatory changes affecting ACH and instant payment operations; assess impact and update procedures accordingly* Support internal and external audit and examination requests with accurate documentation, data, and process narratives* Maintain awareness of OFAC screening requirements applicable to ACH transactions and coordinate with BSA/AML compliance as required **Required Qualifications*** **7–10 years** of progressive banking operations experience with a primary focus on ACH processing and deposit operations* **2+ years** of direct team leadership or supervisory experience in a payments or deposit operations environment* **Strong working knowledge of Nacha Operating Rules** and Federal Reserve ACH regulatory framework (Regulation E, Regulation CC)* Demonstrated experience managing high-volume, deadline-driven transaction processing with strict intraday cutoff requirements* Proven ability to analyze workload data, identify capacity constraints, and make data-supported staffing and process recommendations* Proficiency with Fiserv core banking products (or comparable core platforms) and Cash Management software* Advanced proficiency in Microsoft Excel, Outlook, and the broader Microsoft 365 suite for reporting, analysis, and communication* Strong written and oral communication skills with the ability to interact professionally with internal partners and external financial institutions**Preferred Qualifications*** Experience with real-time payment rails (FedNow, RTP) including exception handling and settlement processes* Familiarity with IntraFi deposit network products and FHLB collateral management* Knowledge of trade settlement processing, sub-custodian operations, and money market fund transaction workflows* AAP (Accredited ACH Professional) or APRP (Accredited Payments Risk Professional) certification from Nacha* Experience implementing process automation or workflow optimization initiatives within a payments operations environment* Familiarity with Salesforce or comparable case management platforms for operational support tracking**Competencies*** **Analytical Rigor —** Logical, systematic approach to identifying and resolving out-of-balance positions, exception trends, and process breakdowns* **Operational Discipline —** Ability to enforce consistent adherence to procedures, deadlines, and quality standards across a team* **Adaptability —** Comfortable managing competing priorities and shifting volume patterns in a fast-paced production environment* **Ownership Mentality —** Proactive identification of risks, gaps, and improvement opportunities without waiting for direction* **Collaborative Leadership —** Builds productive relationships across departments and motivates team performance through clear expectations, coaching, and accountability**Preferred Technical Skills*** Experience with operational, workflow, governance, and analytics platforms such as: + ServiceNow + Salesforce + Nintex + Archer + Verafin + Alloscape + ACBS + Microsoft Suite + PowerBI*The duties listed above are the essential functions, or fundamental duties within the job classification. The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.*