ACH Specialist

North State Bank; United States; On-site; USD 55,000 - 75,000; Full time

Job summary

North State Bank is seeking a detail-oriented ACH Specialist to manage and monitor ACH transactions, ensuring payments are processed accurately, on time, and in compliance with NACHA rules and internal controls.

This role supports offices and teams, resolves returns and exceptions, audits activity, and stays current with NACHA rules. You will collaborate across departments to maintain secure, efficient payment processing and regulatory compliance.

Qualifications

• Two or more years of ACH processing and electronic payments experience.
• Knowledge of NACHA rules and banking regulations.
• Strong communication and problem-solving skills.
• Proficiency with Microsoft Excel and Word.
• AAP certification or willingness to obtain certification.

Responsibilities

• Review and process ACH files according to daily schedules.
• Monitor NACHA rules compliance and internal controls.
• Resolve ACH returns, notices of change, and payment issues.
• Support audits, onboarding, and reporting.

Skills

ACH processing

NACHA rules

Excel & Word

Communication

AAP certification

Job description

Overview

A strong, independent community bank, North State has served customers for over 25 years and counting. Headquartered in Raleigh, North Carolina, with offices in Wake and New Hanover counties, the Bank was built on and practices the core values of integrity, hard work, fairness, teamwork, and consistency. We believe it’s our calling to add value to the lives of those we serve and to do so with a spirit of friendship. We are a full-service bank with focused divisions for mortgage, government lending, and the community association management industry.

At North State Bank, we're looking for a detail-oriented ACH Specialist to play a key role in the secure and efficient movement of electronic payments. In this position, you will manage and monitor Automated Clearing House (ACH) transactions, ensuring payments are processed accurately, on time, and in compliance with regulatory requirements and internal controls.

A Day in the Life of an ACH Specialist

At North State Bank, our ACH Specialists play a critical role in keeping electronic payments moving safely, accurately, and on time. If you enjoy problem solving, attention to detail, regulatory compliance, and supporting and teammates behind the scenes, this could be the perfect opportunity for you.

Your Morning

You begin your day reviewing ACH file activity, processing incoming and outgoing files, and ensuring payments are handled accurately according to daily schedules. You monitor transactions carefully to help mitigate risk and verify that electronic payments are processed in compliance with NACHA rules, banking regulations, and internal policies.

Midday: Supporting Offices and Teams

Throughout the day, you communicate with offices and business partners regarding ACH returns, notifications of change, and payment issues. You research and resolve returns, disputes, and exceptions while providing guidance on ACH processes and best practices.

Behind the Scenes

Much of your work focuses on monitoring activity and maintaining operational controls. You review originator usage, monitor return thresholds and trends, update ACH reporting platforms, support customer onboarding and offboarding, maintain Third-Party Sender registrations, and assist with audits and compliance reviews.

Growing Together

The payments landscape is constantly evolving. You stay current on NACHA operating rules, banking regulations, and industry best practices while collaborating with internal departments to improve efficiency.

Your Qualifications

• Two or more years of ACH processing and electronic payments experience
• Knowledge of NACHA rules and banking regulations
• Strong communication and problem-solving skills
• Proficiency with Microsoft Excel and Word
• AAP certification or willingness to obtain certification

Why North State Bank?

Our team values accuracy, integrity, collaboration, and exceptional service. Your work helps customers and businesses move money securely and efficiently every day. Ready to make an impact behind the scenes of modern banking? Apply today and discover a rewarding career as an ACH Specialist with North State Bank.

North State Bank is an equal opportunity employer and gives consideration for qualified applicants without regard to race, color, religion, sex, sexual orientation, age, gender identity, national origin, pregnancy, genetic information, disability or status as a protected veteran status or any other protected category under applicable federal, state and local laws. VEVRRA Contractor.