Senior ACH Operations Manager (Flexible Location w/in Florida)

Seacoast Bank; Florida; On-site; USD 120,000 - 150,000; Full time

Job summary

Seacoast Bank is seeking a Senior ACH Operations Manager to lead the daily ACH Operations function, ensuring accurate processing, timely exception handling, and robust controls across the team in Florida.

The role drives regulatory compliance with NACHA rules, oversees reconciliation and settlement, and partners with Treasury, Compliance, Risk, and IT to implement new payment capabilities such as RTP and FedNow. Strong leadership and cross-functional collaboration are essential.

Qualifications

• 5+ years in ACH Operations or related banking operations.
• 3+ years of people leadership / supervision.
• Strong knowledge of ACH processing, exceptions, returns, settlement, and reconciliation.
• Working knowledge of NACHA Operating Rules and related compliance.
• Proven ability to resolve complex issues and improve processes.
• Excellent communication, analytical, and cross-functional collaboration skills.

Responsibilities

• Lead daily ACH Operations including work distribution, processing oversight, exceptions, returns, settlement, balancing, reconciliation, and issue resolution.
• Establish 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 with internal partners and providers.
• Ensure compliance with NACHA Rules, applicable regulations, internal policies, and controls.
• Maintain 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 ACH Operations Team.
• Support planning, testing, controls, and implementation readiness for RTP, FedNow, and other new payment capabilities.

Skills

Leadership

ACH processing knowledge

NACHA rules knowledge

Regulatory compliance

Analytical skills

Communication

Job description

Position Summary

The Senior ACH Operations Manager provides hands‑on leadership for the Bank's day to day ACH Operations function. The role is accountable for accurate and timely processing, effective exception and return management, strong operational controls, regulatory compliance, team performance, and issue resolution. The Manager also supports readiness for RTP, FedNow, and other emerging payment capabilities as the Bank expands its payments infrastructure.

Position Summary

The Senior ACH Operations Manager provides hands‑on leadership for the Bank's day to day ACH Operations function. The role is accountable for accurate and timely processing, effective exception and return management, strong operational controls, regulatory compliance, team performance, and issue resolution. The Manager also supports readiness for RTP, FedNow, and other emerging payment capabilities as the Bank expands its payments infrastructure.

Key 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.

Required Qualifications

• 5 or more years of ACH Operations, Payments Operations, Banking Operations, or related financial services experience.
• 3 or more 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.
• Ability to manage competing priorities, make sound operational decisions, and escal e issues appropriately.

Preferred Qualifications

• AAP certification, or willingness to obtain certification within an agreed period after hire.
• Experience with payment system implementations, conversions, testing, automation, or operational readiness.
• Exposure to RTP, FedNow, Real Time Payments, or other faster payment capabilities.

Location

This position can be located at any Seacoast Bank location within Florida.

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.