ACH Product Owner

TRS Recovery Services; United States; On-site; USD 120,000 - 150,000; Full time

Benefits offered by this job

Fuel Your Life program

Paid holidays and generous time away

No-cost mental health support

Job summary

Fiserv is seeking an ACH Product Owner to drive product execution for ACH payments on the Finxact platform, from discovery through release and production optimization. You will collaborate with engineering, compliance, and client teams to deliver reliable, compliant ACH features and measurable client outcomes.

You'll own the backlog, define objectives and success metrics, translate NACHA updates into requirements, and lead cross-functional delivery.

Qualifications

• 6+ years in product ownership or related delivery within payments/fintech
• 3+ years hands-on ACH payments including origination, posting, exceptions, returns, NOC, settlement
• 3+ years backlog management, epics, features and user stories, and defining acceptance criteria for technology delivery teams
• 3+ years applying NACHA operating rules and governance expectations to ACH processing, controls and product requirements
• Experience collaborating with compliance and risk stakeholders on Reg E, OFAC, fraud and operational risk
• Experience using operational and product metrics to prioritize enhancements, investigate defects and improve product reliability
• Bachelor's Degree or higher in Business, Finance, IT or related field, or equivalent combination of education/experience

Responsibilities

• Own ACH backlog, feature priorities and release scope aligned to goals and market needs
• Define feature-level objectives and success metrics for ACH capabilities
• Develop requirements and acceptance criteria for ACH use cases including origination, processing, returns, NOCs, reversals and same-day ACH
• Translate NACHA updates into actionable product requirements, controls and implementation plans
• Lead cross-functional discovery and delivery with engineering, risk, compliance, operations and client-facing teams
• Own ACH exception and decisioning experiences including pay/return decisions, NOC handling and return file outcomes
• Partner with API and platform teams to define ACH APIs, event flows and integration patterns
• Validate product increments through scenario-based testing and user acceptance including edge cases

Skills

Product ownership

Payments domain knowledge

Backlog management

Regulatory compliance

Cross-functional collaboration

Metrics-driven

Education

Bachelor's degree or higher

Tools

Postman

Job description

Calling all innovators - find your future at Fiserv.

We're Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day - quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we're involved. If you want to make an impact on a global scale, come make a difference at Fiserv.

Job Title

ACH Product Owner

About your role:

You will own product execution for Automated Clearing House (ACH) payments capabilities on the Finxact platform, from discovery through release and production optimization. You will work with engineering, operations, compliance, implementation and client-facing teams to deliver ACH features that support reliable processing, regulatory alignment and measurable client outcomes.

What you'll do:

• Own the ACH product backlog, feature priorities and release scope aligned to company goals, client needs and market demands.
• Define feature-level objectives and success metrics for ACH capabilities, including straight-through processing, exception rates, return rates and settlement timeliness.
• Develop requirements and acceptance criteria for ACH use cases, including origination, incoming processing, returns, Notifications of Change (NOCs), reversals and same-day ACH.
• Translate National Automated Clearing House Association (NACHA) rule updates and regulatory changes into actionable product requirements, controls and implementation plans.
• Lead cross-functional discovery and delivery with engineering, architecture, risk, compliance, operations and client-facing teams.
• Own ACH exception and decisioning experiences, including workflows for pay and return decisions, NOC handling and return file outcomes.
• Partner with Application Programming Interface (API) and platform teams to define ACH APIs, event flows and integration patterns with internal and external systems.
• Validate product increments through scenario-based testing and user acceptance, including edge cases across returns, NOCs and settlement windows.

Responsibilities listed are not intended to be all-inclusive and may be modified as necessary.

Experience you'll need to have:

• 6+ years of experience in product ownership, business analysis or product delivery within payments, banking, fintech or core processing environments.
• 3+ years of hands-on experience with ACH payments, including origination, posting, exceptions, returns, NOCs and settlement operations.
• 3+ years of experience managing product backlogs, writing epics, features and user stories, and defining acceptance criteria for technology delivery teams.
• 3+ years of experience applying NACHA operating rules and governance expectations to ACH processing, controls and product requirements.
• Experience collaborating with compliance and risk stakeholders on ACH controls related to Regulation E (Reg E), Office of Foreign Assets Control (OFAC) requirements, fraud considerations and operational risk.
• Experience using operational and product metrics to prioritize enhancements, investigate defects and improve product reliability.
• Bachelor's Degree or higher in Business, Finance, Information Technology or a related field, or equivalent combination of education, related experience and/or military experience.

Experience that would be great to have:

• Experience with Finxact ACH concepts and configuration patterns, including network ACH controls and return or NOC behaviors.
• Familiarity with API-based product ecosystems and tools such as Postman for workflow validation.
• Understanding of Originating Depository Financial Institution (ODFI) and Receiving Depository Financial Institution (RDFI) roles, Standard Entry Class (SEC) codes, prenotes, same-day ACH constraints and settlement risk considerations.
• Experience supporting go-to-market readiness through internal enablement, implementation guidance and product documentation.

How you'll work:

This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.

This role requires use of a computer and audio equipment.

You will work an assigned schedule of Monday through Friday, 8:00 a.m. to 5:00 p.m.

Travel:

This role requires occasional travel (up to 10%).

Sponsorship:

You must currently possess valid and unrestricted U.S. work authorization to be considered for this role. Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role.

Benefits at Fiserv:

• Fuel Your Life program to support your physical, financial, social, and emotional well-being.
• Paid holidays and generous time away policies.
• No-cost mental health sup