ACH Specialist: Payments & Compliance Expert

Zions Bancorporation; Midvale (UT); On-site; USD 25,000 - 32,000; Full time

Benefits offered by this job

Health Insurance

Parental Leave

HSAs/FSAs

PTO & Holidays

401(k) & Profit Sharing

Mental Health Benefits

Tuition Reimbursement

Employee Ambassadors

Job summary

Zions Bancorporation is seeking an ACH Specialist to ensure accurate, compliant processing of ACH transactions. Work is on-site Monday–Friday 9:00 am–5:30 pm MDT in Midvale, UT or Phoenix, AZ, with duties spanning origination, verifications, and exception handling.

Responsibilities include regulatory compliance, daily reconciliations, and customer-facing support. Strong attention to detail and solid PC/ACH knowledge are essential for success in this role.

Qualifications

• Requires High School diploma or equivalent and some experience with accounting, balancing, banking and electronic payment processing, ACH systems or other directly related experience.
• A combination of education and experience may meet job requirements.
• Strong research, communication, and customer service skills.
• Ability to meet deadlines and resolve issues with guidance.
• Proficiency in PC applications; knowledge of ACH systems is a plus.

Responsibilities

• Process ACH transactions in accordance with regulatory requirements and internal policies.
• Handle daily ACH origination tasks, including client file processing, returns, reversals, rejects, death notifications, and reclamations.
• Conduct OFAC verifications and manage exception items.
• Set up and maintain ACH contracts for origination clients.
• Review daily reports, perform reconciliations, and complete data entry tasks.
• Develop a working knowledge of Federal Regulation E, OFAC guidelines, and NACHA Operating Rules.
• Prioritize and manage workflow to ensure operational efficiency.
• Troubleshoot and resolve customer and internal partner issues.
• Conduct transactional research and assist with technical problem-solving.
• Deliver outstanding customer service and support.
• Perform additional duties as assigned.

Skills

Research skills

Communication

Customer service

Deadline driven

Education

High School diploma or equivalent

Tools

ACH systems

PC applications

Job description

Zions Bancorporation is seeking an ACH Specialist to ensure accurate, compliant processing of ACH transactions. Work is on-site Monday–Friday 9:00 am–5:30 pm MDT in Midvale, UT or Phoenix, AZ, with duties spanning origination, verifications, and exception handling.

Responsibilities include regulatory compliance, daily reconciliations, and customer-facing support. Strong attention to detail and solid PC/ACH knowledge are essential for success in this role.