Senior ACH Operations Leader: Compliance & Payments

Seacoast Bank; Sarasota (FL); On-site; USD 100,000 - 140,000; Full time

Job summary

Seacoast Bank is seeking a Senior ACH Operations Manager to lead the day-to-day ACH Operations, ensuring accurate processing, timely handling of exceptions and returns, and strong controls. The role supports readiness for RTP, FedNow, and other payment innovations as the bank expands its payments infrastructure.

The ideal candidate has extensive ACH operations experience, demonstrated leadership, and a track record of improving processing efficiency and regulatory compliance.

Qualifications

• 5+ years of ACH Operations, Payments Operations, or related financial services experience.
• 3+ years of experience leading teams or supervisors.
• Strong knowledge of ACH processing, exceptions, returns, settlement, and controls.
• Working knowledge of NACHA Operating Rules and compliance requirements.
• Ability to manage daily execution, resolve complex issues, and improve processes.

Responsibilities

• Lead daily ACH Operations including processing oversight, exception management, returns, settlement, and reconciliation.
• Establish operating routines, service standards, escalation protocols, and performance metrics.
• Serve as primary escalation point for complex ACH matters and coordinate resolution with partners.
• Ensure compliance with NACHA rules, regulations, and internal controls.
• Maintain procedures, audit readiness, and risk assessment support.
• Use reporting to monitor volumes, exceptions, SLAs, accuracy, and staffing needs.
• Identify opportunities to reduce manual work, improve controls, and scale operations.
• Collaborate with Treasury, Fraud, Compliance, Risk, Accounting, Technology, and vendors on ACH initiatives.
• Provide leadership, coaching, and development for the ACH Operations Team.
• Support readiness for RTP, FedNow, and other new payment capabilities.

Job description

Seacoast Bank is seeking a Senior ACH Operations Manager to lead the day-to-day ACH Operations, ensuring accurate processing, timely handling of exceptions and returns, and strong controls. The role supports readiness for RTP, FedNow, and other payment innovations as the bank expands its payments infrastructure.

The ideal candidate has extensive ACH operations experience, demonstrated leadership, and a track record of improving processing efficiency and regulatory compliance.