Senior ACH Operations Leader — RTP/FedNow Readiness

Seacoast Bank; Tampa (FL); On-site; USD 120,000 - 170,000; Full time

Job summary

Seacoast Bank seeks a Senior ACH Operations Manager to lead day-to-day ACH operations, ensuring accurate processing and timely resolution of exceptions with strong controls. You will drive regulatory compliance and collaborate on RTP and FedNow readiness within the payments infrastructure.

You will manage a team, set performance standards, monitor service levels, and implement scalable processes to reduce manual work while increasing reliability across the payments stack.

Qualifications

• 5+ years in ACH Operations, Payments Operations, Banking Operations, or related financial services.
• 3+ years leading teams, supervisors, or operational functions.
• Strong knowledge of ACH processing, exceptions, returns, settlement, balancing, reconciliation, and controls.
• Working knowledge of NACHA Operating Rules and ACH compliance requirements.
• Demonstrated ability to manage daily execution, resolve complex issues, strengthen controls, and improve processes.
• Strong communication, analytical, problem solving, and cross functional partnership skills.

Responsibilities

• Lead daily ACH Operations, including work distribution, processing oversight, exception management, returns, settlement, balancing, reconciliation, and issue resolution.
• Establish operating routines, service standards, escalation protocols, quality expectations, and performance measures.
• Serve as primary escalation point for complex ACH matters and coordinate timely resolution across internal partners and payment providers.
• Ensure compliance with NACHA Rules, applicable regulations, internal policies, and controls.
• Maintain current procedures, audit readiness, issue remediation, and risk assessment support.
• Use reporting to monitor volumes, exceptions, service levels, processing accuracy, reconciliation status, risk indicators, and staffing needs.
• Identify opportunities to reduce manual work, strengthen controls, and increase scalability.
• Partner with Treasury Management, Fraud Operations, Compliance, Risk Management, Accounting, Technology, and vendors on ACH initiatives.
• Provide leadership, coaching, cross training, and development for the ACH Operations Team while maintaining coverage for critical functions.
• Support RTP, FedNow readiness and other new payment capabilities.

Skills

Leadership

Team Leadership

Communication

Analytical thinking

Problem solving

Cross-functional teamwork

Education

AAP certification

Job description

Seacoast Bank seeks a Senior ACH Operations Manager to lead day-to-day ACH operations, ensuring accurate processing and timely resolution of exceptions with strong controls. You will drive regulatory compliance and collaborate on RTP and FedNow readiness within the payments infrastructure.

You will manage a team, set performance standards, monitor service levels, and implement scalable processes to reduce manual work while increasing reliability across the payments stack.