Functional Specialist

TechDigital Group; Rahway (NJ); On-site; USD 75,000 - 110,000; Full time

Benefits offered by this job

Competitive salary

Health insurance

Remote work options

Job summary

A leading technology company is seeking a Quality Engineer specializing in ACH processing. The ideal candidate will design automated test plans for NACHA and ISO 20022 transactions, ensuring compliance and operational quality. Responsibilities include validating risk controls, managing ACH Positive Pay, and ensuring data integrity across platforms. Required qualifications include AAP and APRP certifications, hands-on experience in ACH processes, and proficiency in various testing tools. This position contributes to the organization's commitment to high-quality financial operations.

Qualifications

• Minimum 5 years' experience in ACH processing.
• Demonstrated understanding of ISO 20022 schemas and NACHA formats.
• Ability to develop automated test plans.

Responsibilities

• Design automated tests for NACHA and ISO 20022.
• Validate ACH Positive Pay and risk controls.
• Ensure compliance with industry standards and regulations.

Skills

Hands-on ACH expertise

Proficiency in NACHA Operating Rules

Strong analytical skills

Experience with test tools

Education

AAP - Accredited ACH Professional

APRP - Accredited Payments Risk Professional

Tools

REST

JMeter

Cucumber

PostgreSQL

DynamoDB

Job description

Top 3 must-haves

Knowledge of NACHA or ISO20022, Knowledge as Quality Engineer

Job Description

Ensure the quality, compliance, and resilience of ACH processing across NACHA and ISO 20022 rails. You\'ll design automated test plans that validate NACHA file format (File/Batch/Entry/Addenda) and ISO 20022 payment messages (e.g., pain, pacs, camt), verify ACH Positive Pay and other risk controls, and ensure coverage for returns/NOCs/IAT, micro-entries, same-day settlement, and rule change regression. This role demands ACH experience at a Financial Institution (operations, settlement, and/or reconciliation), ACH domain depth (including AAP/APRP certifications), plus the ability to understand and translate ISO schemas and business rules into executable test scenarios.

Core Responsibilities

1. Standards & Format Validation
   • NACHA: Validate SEC codes (PPD, CCD, CTX, WEB, IAT, ARC, BOC, POP, RCK, XCK), addenda content (e.g., ANSI X12 for CTX), effective entry dates, batch control totals, file headers/controls, and micro-entry descriptors/compliance.
   • ISO 20022: Author and execute tests for schemas and business rules in pain.001 (customer credit transfer initiation), pacs.008 (FI to FI credit transfer), pacs.002 (status), and camt.053/054 (statements/advices) where applicable to ACH-orchestrated flows and downstream reporting.
   • Mapping & Translation: Validate NACHA ↔ ISO 20022 transformations (field mapping, code set equivalence, amount/sign conventions, character sets, remittance structures), including CTX remittance ↔ ISO structured/unstructured remittance (RmtInf) integrity and truncation rules.
2. Positive Pay & Debit Filters (Risk Controls)
   • Design tests for ACH Positive Pay rules:
     • Company ID whitelists/blacklists, authorized SEC code scopes, amount limits, frequency/velocity, effective date ranges, and account-level entitlements.
     • Exception handling flows (match, mismatch, decision windows), notification channels, and posting suppression until a decision is applied.
   • Validate ACH debit blocks/filters, vendor enrollment/authorization lifecycles, and change management (add/update/remove authorizations) with audit trails.
   • Test exposure limits, limit hierarchies (account, company, TPS), nested TPS detection, and alert/escalation routing.
3. Lifecycle & Exception Scenarios
   • Returns: Full set R01–R39, dishonored returns (R61–R67), contested dishonored; timing validations and reason-code specific behaviors.
   • NOC: End-to-end Notification of Change capture, routing to originator, remediation SLA verification, and regression.
   • Reversals & Reclamations: Validate authorization, timing windows, account status changes (e.g., DNE flows).
   • IAT: Gateway presence, OFAC screening, required addenda fields; test cross-border nuances in mapping to ISO messages.
   • WEB Debit Account Validation: Validate the Nacha WEB Debit Account Validation Rule (pre-authentication, account validation methods, failure handling).
4. Operational Quality & Posting Controls
   • Validate same-day ACH vs next day posting rules, cutoff behavior, holiday calendars, late-day exception handling, and settlement windows.
   • Confirm reconciliation and reporting (ACH advices, settlement reports, exception queues; ISO camt messages where used).
   • Verify audit readiness: comprehensive QA artifacts, defect evidence, risk sign-offs, and rule-change coverage.
5. Security, Compliance, and Data Integrity
   • OFAC/BSA/AML integration tests (screening, case creation, hold/release, escalation paths).
   • Authorization records retention/warranty coverage, consent revocation, and dispute workflows (e.g., R10/R11 unauthorized).
   • Data lineage across NACHA files and ISO messages; ensure remittance, company ID, and account data accuracy end to end.

Required Qualifications

• Hands-on ACH expertise (ODFI/RDFI, IAT, returns/NOC, micro-entries, same-day ACH).
• Proficiency in NACHA Operating Rules & Guidelines and ISO 20022 payments message validation (schemas, semantic validations, business rules).
• Experience with test tools (REST, JMeter, Cucumber, Zephyr, UI test frameworks - Playwright or Storybook), and PostgreSQL & DynamoDB for ledger/settlement and exception verification.
• Strong analytical documentation skills; defect triage and audit-ready reporting.

Industry Certifications

• AAP – Accredited ACH Professional (NACHA): Core ACH rules, formats, risk, and operations proficiency.
• APRP – Accredited Payments Risk Professional (NACHA): Payments risk framework, fraud controls, TPS oversight, compliance.