Senior ACH Operations & Risk Specialist

IDB Bank; New York (NY); Hybrid; USD 90,000 - 110,000; Full time

Job summary

IDB Bank in New York seeks an experienced ACH Operations Specialist to support day-to-day ACH processing in compliance with Nacha Rules and Bank policies. You will monitor files, origination, settlement, and exceptions, ensuring timely, accurate processing within defined controls.

Ideal candidates have 3–5 years in ACH operations, strong analytical skills, and Excel proficiency. The role operates on a hybrid schedule with competitive compensation and comprehensive benefits.

Qualifications

• Strong knowledge of Nacha Operating Rules and ACH processing requirements.
• Experience with ODFI and RDFI ACH operations.
• Hands-on ACH origination, returns, reversals, and settlement work.
• Proficiency with Excel and reporting tools.

Responsibilities

• Process and monitor daily ACH activities including files, origination, settlement, returns and adjustments.
• Review and resolve ACH processing exceptions and posting issues.
• Monitor originator risk limits and investigate unusual processing patterns.
• Support ACH documentation, audits, and regulatory examinations.
• Maintain accurate documentation of ACH transactions and decisions.

Skills

Nacha Rules knowledge

ACH processing

Analytical skills

Microsoft Excel

Communication

Tools

Copilot

Microsoft Office

Job description

IDB Bank in New York seeks an experienced ACH Operations Specialist to support day-to-day ACH processing in compliance with Nacha Rules and Bank policies. You will monitor files, origination, settlement, and exceptions, ensuring timely, accurate processing within defined controls.

Ideal candidates have 3–5 years in ACH operations, strong analytical skills, and Excel proficiency. The role operates on a hybrid schedule with competitive compensation and comprehensive benefits.