Senior ACH Payment Operations Specialist

Kennebunk Savings; Kennebunk (ME); On-site; USD 70,000 - 100,000; Full time

Job summary

Kennebunk Savings is seeking an ACH Payment Operations Specialist to lead and oversee the processing of ACH transactions, ensuring NACHA compliance and strong risk management. You will collaborate with Cash Management, Compliance and Technology teams to optimize workflows and safety.

The role requires deep knowledge of ACH rules, attention to detail, and the ability to train other departments on processes and upgrades. This full-time position offers growth in a regional bank environment.

Qualifications

• Strong knowledge of NACHA Rules, electronic payments, and banking regulations.
• AAP certification preferred or willingness to obtain within 1 year of hire.
• APR P certifications: APRP and AFPP are a plus.
• Demonstrates trust, confidentiality and high attention to detail.

Responsibilities

• Oversee accurate and timely processing of ACH transactions and related payment activities.
• Review complex ACH files and large-dollar transactions; manage exceptions.
• Monitor deadlines and settlement schedules to ensure SLA performance.
• Serve as subject matter expert for ACH products, processes, and regulatory requirements.
• Support audits, regulatory examinations, and risk assessments.

Skills

NACHA Rules

ACH Processing

Regulatory Compliance

Attention to detail

Analytical skills

Communication

Microsoft Office

Education

College degree

Tools

Microsoft Excel

Job description

Kennebunk Savings operates on the shared belief that Helping One Another Is the Right Thing To Do. Our Core Values – Trust, Integrity, Proactive and Empathy provide the guideposts for how we support that belief. They guide our day to day actions – from the way we build relationships, to how we make decisions and problem solve, to how we interact with one another. Our Core Values form the foundation of our culture. Embodying them forms the basis of what makes for a successful employee at Kennebunk Savings.

Scope of Work:

Under the guidance of the Deposit Operations Manager, the ACH Payment Operations Specialist serves as the Company’s subject matter expert for ACH payment processing, NACHA compliance, operational risk management, and process improvement activities. This role is responsible for overseeing complex ACH operations, resolving escalated issues, ensuring regulatory compliance, collaborating with other departments, and supporting strategic initiatives. This position partners with Cash Management, Commercial Banking, Compliance, Deposit Services, Risk Management and Technology teams to ensure the efficient, accurate and secure processing of ACH transactions. The incumbent will need to possess strong problem-solving capabilities, critical thinking abilities and organizational skills.

Essential Functions:

ACH Operations Leadership and Processing Oversight

• Oversee the accurate and timely processing of all ACH transactions and related payment activities.

• Review and approve complex ACH files, large-dollar transactions and exception items.

• Monitor processing deadlines, settlement schedules, and operational controls to ensure service-level performance.

• Serve as the operational expert for ACH products, processes, and regulatory requirements.

Risk Management, Compliance, and Quality Control

• Ensure compliance with NACHA Rules, regulatory requirements, and internal bank polices.

• Review ACH activity for operational, fraud, and compliance risks and elevate concerns appropriately.

• Support internal and external audits, regulatory examinations, and risk assessments.

• Develop and maintain procedures, controls and quality assurance standards for ACH operations.

Customer Support, Process Improvement, and Training

• Resolve escalated customer and internal partner inquiries related to ACH processing and payment exceptions.

• Identify process improvement opportunities and implement solutions that enhance operational efficiency and service quality.

• Train internal departments and serve as a resource for complex operational issues.

• Participate in system upgrades, testing, and implementation of ACH products and services

• Collaborate with business units and technology teams on new product implementations and payment initiatives.

Other Duties & Responsibilities:

• Promotes the Kennebunk Savings Brand by recommending our products and services, supporting our community focus & commitment to being a premier employer

• Understands, supports and adheres to applicable organizational policies/procedures and state/federal regulations

• Consistently emphasizes the importance of teamwork in the department and company at large

• Responsible for keeping abreast of company news and information

• Responsible for completing required training and policy review

• May serve on various committees

• Willingness to take on additional tasks and duties

Desired Knowledge, Skills & Abilities:

• Strong knowledge of NACHA Operating Rules, electronic payments, and banking regulations.

• Accredited ACH Professional (AAP) certification preferred or willingness to obtain within 1 year of hire.

• Continuing certifications of Accredited Payments Risk Professionals (APRP); Accredited Faster Payments Professionals (AFPP)

• Displays high level of regard for trust and confidentiality

• Proficiency in Microsoft Office Products

• Displays strong written and verbal communication skills

• Displays strong organization skills and the ability to multi-task to meet established deadlines

• Demonstrates a high level of accuracy and attention to detail

• Effectively uses analytical skills to solve technical, as well as, non-technical problems

• Ability to adapt to change

Desired Job Experience:

• 5+ years of ACH, payments, cash management, or bank operations experience is preferred. A commensurate combination of education and experience will also be considered.

• Experience in a professional, service focused and fast-paced environment

Desired Education:

• College degree or related work experience

Working Conditions & Minimum Physical Requirements:

• Physical surroundings are generally pleasant and comfortable with minimal exposure to injury or other hazards

• Dexterity of hands and fingers to operate a computer and other office equipment

• Lifting and moving of moderately heavy objects on occasion

• Normally seated for extended periods of time

External and internal applicants, as well as position incumbents who become disabled as defined under the Americans with Disabilities Act, or Maine/New Hampshire Human Rights Commissions, must be able to perform the essential job functions (as listed) either unaided or with the assistance of a reasonable accommodation to be determined by management on a case-by-case basis.

Last Updated 7/27/2026