Senior ACH Operations & Risk Specialist

Seacoast Bank; Town of Florida (NY); On-site; USD 65,000 - 90,000; Full time

Job summary

Seacoast Bank is seeking a Sr. ACH Payment Specialist to oversee daily ACH processing, including disputes, DNEs, reclaim, stop payments and adjustments.

You will balance files, monitor feeds, and support Retail Branches to ensure compliant, efficient ACH operations. The role requires strong analytical skills, attention to detail, and the ability to work collaboratively with multiple departments in a fast-paced banking environment.

Qualifications

• High School Diploma or equivalent required.
• 4+ years Banking experience or a combination of education and experience.
• Nacha certification recommended.
• Strong analytical skills and attention to detail.
• Ability to work collaboratively within a team environment.
• Commitment to maintaining compliance and operational standards.
• PC proficient, including MS Word and MS Excel.
• Effective communication and collaboration capabilities.

Responsibilities

• Develop and update procedures for the department to align with current processes and growth.
• Provide support, assist with research, evaluation, testing and monitoring of ACH.
• Provide and assist with special projects, including bank core conversions.
• Prepare the monthly ACH Return Monitoring report.
• Prepare the daily ACH Macro Fed Balance Sheet.
• Monitor the ACH file confirmations and open tickets for issues.
• Support the retail branches with questions, policies, procedures and NACHA rules relating to ACH.
• Support the retail branches with questions relating to disputes and Reg E claims and timeframes.
• Review the risk associated with ACH Stop Payment hits and suspects and ensure timely processing of related returns.
• Review the risk associated with DNEs and Reclamation notifications from US Treasury or Federal Reserve.
• Monitor and review compliance for Regulation E as it relates to ACH consumer disputes.
• Complete all ACH training provided annually.
• Support Deposit Operations to ensure duties are completed accurately and timely.
• Provide ACH Dashboard monthly to Operations Support.
• Adhere to Seacoast Bank's code of conduct.

Skills

Strong analytical skills

Attention to detail

Team collaboration

Communication skills

Education

High School Diploma or equivalent

Nacha certification recommended

Tools

MS Word

MS Excel

Job description

Seacoast Bank is seeking a Sr. ACH Payment Specialist to oversee daily ACH processing, including disputes, DNEs, reclaim, stop payments and adjustments.

You will balance files, monitor feeds, and support Retail Branches to ensure compliant, efficient ACH operations. The role requires strong analytical skills, attention to detail, and the ability to work collaboratively with multiple departments in a fast-paced banking environment.