ACH Specialist II

Central Payments; Sioux Falls (SD); Hybrid; USD 40,000 - 60,000; Full time

Benefits offered by this job

Flexible work environment

Professional growth opportunities

Supportive team culture

Job summary

A financial technology company is looking for an ACH Specialist II to manage daily ACH operations and ensure compliance and accuracy in payment processing. In this entry-level role, you will work collaboratively to monitor exceptions, assist with system changes, and prepare reports. Candidates should possess strong analytical and problem-solving skills, a degree in a related field, and a keen attention to detail. Join a supportive team culture that values continuous improvement and professional growth, with a hybrid work environment available.

Qualifications

• Familiarity with ACH operations and Nacha Rules is preferred.
• 1–3 years of experience in ACH processing or related financial roles.
• Experience with ACHPS preferred but not required.

Responsibilities

• Support daily ACH operations and maintenance.
• Assist with ACH system changes and documentation.
• Monitor and resolve ACH exceptions.
• Prepare monthly reports and analyze Partner activity.

Skills

Analytical skills

Problem-solving skills

Attention to detail

Clear communication

Time management

Microsoft Office proficiency

Education

Associate degree in Accounting, Finance, or related field

Job description

Join to apply for the ACH Specialist II role at Central Payments

Are you detail-driven and passionate about keeping payment operations running smoothly? Join Central Payments, where collaboration, accuracy, and continuous improvement power everything we do. As an ACH Specialist II, you’ll play a key role in supporting and maintaining our ACH operations while working closely with cross-functional teams to ensure seamless processing.

What You’ll Do

• Support the daily operation, maintenance, and exception processing of the ACH Processing System (ACHPS)
• Assist with ACH system changes, including risk limit updates, testing, and documentation
• Complete daily ACH processing checklists to ensure timely and accurate inbound and outbound transactions
• Monitor and resolve ACH exceptions, including unpostable transactions, returns, risk limit violations, WSUDs, and reclamations
• Own and manage the ACH Inbox, ensuring timely responses and compliance with all requests
• Prepare monthly reports and analyze Partner activity to identify trends and potential risks
• Maintain and update ACH procedures to ensure regulatory and Nacha compliance
• Support internal teams and Partners by troubleshooting issues and providing ACH and Nacha guidance
• Identify opportunities to improve processes, efficiency, and service delivery across ACH operations

Why You Should Join Us

• Be part of a collaborative fintech team supporting critical payment operations
• Work in a role that combines operational execution with analytical problem-solving
• Gain exposure to complex ACH systems, compliance, and Partner-facing processes
• Contribute to continuous improvement in a growing payments organization

What You Bring

• Familiarity with ACH operations and Nacha Rules (preferred)
• Strong analytical and problem-solving skills
• High attention to detail and commitment to accuracy
• Clear written and verbal communication skillsStrong organizational and time-management abilities
• Proficiency with Microsoft Office applications
• Ability to work independently while collaborating across teams

Qualifications

• Associate degree in Accounting, Finance, or a related field or equivalent experience
• 1–3 years of experience in ACH processing, account reconciliation, or related financial roles
• Experience with ACHPS (FIS/eFunds) preferred but not required
• Working knowledge of banking regulations and ACH functionality preferred

What We Offer

• A hybrid work environment with flexibility
• Opportunities for professional growth and development
• A supportive team culture where your voice is heard

Seniority level

Entry level

Employment type

Full-time

Job function

Other