Senior ACH Operations Leader: Scale Payments & Compliance

Seacoast Bank; Orlando (FL); On-site; USD 110,000 - 160,000; Full time

Job summary

Seacoast Bank in Florida is seeking a Senior ACH Operations Manager to lead day-to-day ACH operations, ensure accurate processing, manage exceptions and returns, and uphold strong controls and regulatory compliance.

The role collaborates with Treasury, Fraud, Compliance, Risk, Accounting and Technology, driving efficiency, readiness for RTP and FedNow, and developing the ACH team to support scalable, compliant payments operations.

Qualifications

• 5+ years of ACH Operations, Payments Operations, Banking Operations, or related financial services experience.
• 3+ years of experience leading teams, supervisors, or operational functions.
• Strong working knowledge of ACH processing, exceptions, returns, settlement, balancing, reconciliation, and operational controls.
• Working knowledge of NACHA Operating Rules and ACH related compliance requirements.
• Demonstrated ability to manage daily operational 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 clear operating routines, service standards, escalation protocols, quality expectations, and performance measures.
• Serve as the primary operational escalation point for complex ACH matters and coordinate timely resolution across internal partners and payment providers.
• Ensure compliance with NACHA Operating Rules, applicable regulations, internal policies, and established operational controls.
• Maintain current procedures, control documentation, audit readiness, issue remediation, and risk assessment support.
• Use reporting to monitor volumes, exceptions, service levels, processing accuracy, reconciliation status, operational risk indicators, and staffing needs.
• Identify and lead opportunities to reduce manual work, strengthen controls, improve consistency, and increase scalability.
• Partner with Treasury Management, Fraud Operations, Compliance, Risk Management, Accounting, Technology, and vendors on ACH related initiatives and issues.
• Provide leadership, coaching, cross training, and development for the ACH Operations Team while maintaining appropriate coverage for critical functions.
• Support operational planning, testing, procedures, controls, and implementation readiness for RTP, FedNow, and other new payment capabilities.

Skills

ACH processing

Leadership

Regulatory compliance

Analytical thinking

Cross-functional collaboration

Communication

Education

AAP certification

Job description

Seacoast Bank in Florida is seeking a Senior ACH Operations Manager to lead day-to-day ACH operations, ensure accurate processing, manage exceptions and returns, and uphold strong controls and regulatory compliance.

The role collaborates with Treasury, Fraud, Compliance, Risk, Accounting and Technology, driving efficiency, readiness for RTP and FedNow, and developing the ACH team to support scalable, compliant payments operations.