ACH & Payments Operations Leader (Real-Time Payments)

Jobot; Seal Beach (CA); On-site; USD 100,000 - 140,000; Full time

Benefits offered by this job

Medical

Dental

Vision

401k

Profit sharing

Annual bonus

Flexible work environment

Job summary

Jobot is seeking an ACH Manager for a well-established California bank, with over a century in operation. The role centers on ACH processing, RTP, wires, Zelle, and other payment channels within a multi-rail environment.

The candidate will serve as the primary compliance and risk lead for payment activities, performing daily risk assessments and ensuring adherence to NACHA rules and regulatory requirements. Collaboration across units strengthens controls and efficiency.

Qualifications

• Extensive knowledge of NACHA Operating Rules & Guidelines governing ACH processing and compliance.
• Strong understanding of Real-Time Payments network rules, including RTP and FedNow requirements.
• Comprehensive knowledge of Regulation E (Electronic Fund Transfers) and consumer protection requirements.
• In-depth familiarity with Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and OFAC regulations.
• Working knowledge of the Green Book governing federal government ACH payments.
• General understanding of wire transfer regulations and applicable payment network rules.
• Awareness of emerging payment technologies, digital payment trends, and evolving industry standards.

Responsibilities

• Lead the Bank’s payment operations with a focus on ACH processing and multi-rail payments oversight (ACH origination/receipt, RTP, wires, Zelle).
• Serve as the primary compliance and risk lead for all payment activities, conducting daily risk assessments and ensuring regulatory adherence.
• Partner across business units to strengthen controls, streamline processes, and enhance operational efficiency.

Skills

NACHA Rules

RTP/FedNow

Reg E & Compliance

BSA/AML/OFAC

Green Book

Wire Regulations

Payment Networks

Education

Bachelor's Degree

AAP certification

APRP certification

Job description

Jobot is seeking an ACH Manager for a well-established California bank, with over a century in operation. The role centers on ACH processing, RTP, wires, Zelle, and other payment channels within a multi-rail environment.

The candidate will serve as the primary compliance and risk lead for payment activities, performing daily risk assessments and ensuring adherence to NACHA rules and regulatory requirements. Collaboration across units strengthens controls and efficiency.