Senior ACH Payment Specialist

Seacoast Bank; The Villages (FL); On-site; USD 65,000 - 90,000; Full time

Job summary

Seacoast National Bank in Florida is seeking a Sr. ACH Payment Specialist to oversee daily ACH processing, balancing and related controls. You will support Retail Branches, ensure regulatory compliance, and collaborate with multiple departments on ACH operations.

Responsibilities include dispute handling, DNE processing, NACHA rule guidance, and monthly/daily reporting. The role requires attention to detail, analytical skills, and strong teamwork in a bank operations environment.

Qualifications

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

Responsibilities

• Process daily ACH operations, including disputes, DNEs, and reconciliations.
• Balance ACH files and monitor confirmations; escalate issues.
• Prepare monthly ACH Return Monitoring reports.
• Prepare daily Fed Balance Sheet and related statements.
• Support retail branches with NACHA rules and policy questions.
• Assist with special projects, including core conversions.
• Adhere to regulatory requirements and complete annual training.

Skills

Analytical skills

Attention to detail

Teamwork

Regulatory knowledge

Communication

Education

High School Diploma

Tools

MS Word

MS Excel

Job description

Job Category: Administrative & Shared Services

Location: This position can be located at a Seacoast office in Orlando, Stuart or The Villages.

JOB SUMMARY:

The Sr. ACH Payment Specialist plays a critical role in ensuring the efficient and secure processing of ACH transactions within the bank. The Specialist is responsible for the processing of the daily operational functions including Dispute Resolutions, Death Notification Entries (DNEs), Reclamations, Stop Payments, Federal Reserve adjustments, and ACH balancing and Rejects. They will also collaborate closely with relevant departments and stakeholders to optimize ACH operations and support the Retail Branches.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Develop and update procedures for the department, where needed, to ensure that they align with the Bank’s current processes and on-going 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 throughout the day, reporting any issues due to no emails being received, duplicate files, etc. and open tickets.
• Support the retail branches with questions, policies, procedures and/or 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. Review for proper completion and process related returns timely.
• Review the risk associated with DNE’s and Reclamation notifications received from US Treasury and/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 team to ensure duties are completed accurately and timely.
• Provide ACH Dashboard monthly to Operations Support.
• Other tasks as directed by the ACH Payments Manager and / or ACH Payments Team Lead.
• Adheres to Seacoast Bank’s code of conduct.

EDUCATION and/or EXPERIENCE:

• High School Diploma or equivalent required.
• 4+ years Banking experience or a combination of education and experience.
• 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.

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.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.