ACH Processing Pro: Precision in Payments & Reconciliation

Busey Bank; Decatur (IL); On-site; USD 26,000 - 33,000; Full time

Benefits offered by this job

401(k) match

Profit sharing

Employee stock purchase plan

Paid time off

Medical

Dental

Vision

Company-paid life insurance

Long-term disability

Wellness incentives

Employee assistance program

Pre-tax health savings accounts

Flexible spending accounts

Job summary

Busey Bank is seeking an Electronic Payment Processing Clerk to support daily ACH processing, reconciliation, and administration of electronic payments. The role involves generating payment files, balancing activity, researching exceptions, processing returns, and ensuring regulatory compliance across multiple systems.

Ideal candidates will have strong attention to detail, analytical skills, and the ability to work across departments to support stakeholders and maintain timely delivery of client

Qualifications

• Strong understanding of ACH payment processing rules and NACHA Operating Rules.
• Familiarity with real-time payment platforms (e.g., Zelle, FedNow) and corresponding workflows.
• Knowledge of risk monitoring, dispute management, and fraud prevention controls for payment processing.
• Ability to interpret and apply payment system regulations and compliance standards.
• Strong communication skills; cross-functional collaboration.
• High attention to detail and accuracy; able to multitask in a fast-paced environment.
• Analytical and critical thinking; problem solving with initiative.

Responsibilities

• Generate, review, and distribute daily ACH processing reports for billers, clients, and internal stakeholders.
• Create and process ACH batch files through internal systems and payment processing applications.
• Validate ACH batch files and control totals prior to transmission.
• Balance and reconcile daily ACH activity and records across systems.
• Process ACH returns, chargebacks, re-originations, and related exceptions.
• Investigate ACH exceptions and processing errors to determine root cause and resolution.
• Monitor processing queues to meet daily production deadlines and SLAs.
• Maintain compliance with NACHA rules, regulations, and internal controls.

Education

College degree preferred; equivalent work experience is acceptable

Minimum of two years of direct experience in banking operations, treasury management services, or enterprise payment processing (ACH, real-time payments such as Zelle or FedNow)

Experience with payment processing platforms, secure file transmissions, and payment risk management tools

Job description

Busey Bank is seeking an Electronic Payment Processing Clerk to support daily ACH processing, reconciliation, and administration of electronic payments. The role involves generating payment files, balancing activity, researching exceptions, processing returns, and ensuring regulatory compliance across multiple systems.

Ideal candidates will have strong attention to detail, analytical skills, and the ability to work across departments to support stakeholders and maintain timely delivery of client