Sr. Operations Associate (ACH Operations)

UMB Bank; Kansas City (MO); Hybrid; USD 45,000 - 66,000; Full time

Benefits offered by this job

Paid Time Off

401(k) matching program

Annual incentive pay

Paid holidays

Medical, dental, vision insurance

Job summary

UMB Bank is seeking a Sr. Operations Associate for the ACH Operations team in Kansas City, MO. The role focuses on processing ACH transactions, exception handling, and GL balancing, serving as a middleware for central clearinghouse activities.

The position is hybrid (Mon-Thu on-site / Fri remote) at the Technology & Operations Center, with a day schedule of 9:30 AM–6:00 PM and potential remote evening backup for ~6 weeks/year.

Qualifications

• At least 4 years of experience in banking or financial processing.
• In-depth experience in managing ACH transactions.
• Demonstrated attention to detail, organization, and time management skills.
• Ability to communicate clearly with coworkers, managers, business partners, and clients.
• Effectively worked in a team environment.

Responsibilities

• Monitor and record the receipt of ACH transactions against a prescribed ACH delivery schedule.
• Ensure accurate and timely processing of all ACH files.
• Review system reports for file processing to resolve and record processing issues.
• Perform exception processing according to instructions received.
• Respond to customer calls regarding processing concerns.
• Review and reconcile general ledger accounts as assigned.

Skills

Attention to detail

Time management

Communication

Teamwork

Job description

The ACH Operations team is responsible for processing windows that collect and distribute ACH transactions to and from the ACH network. The team also handles exception transactions, as well as settlement entries and GL balancing. These functions are critical to the accurate and efficient processing of transactions on a crucial rail of the payment ecosystem.

As the Sr. Operations Associate, you will serve as the middleman for central clearinghouse activities relating to ACH transactions from receiving the files, sorting and routing the payment data, and settling the funds. This is a subset of the overall responsibilities which will include multiple initiatives assigned by Bank Operations leadership.

This role is hybrid (Mon through Thu on-site / Fri remote) at the UMB Technology & Operations Center located in downtown Kansas City, MO. The work schedule is 9:30 AM-6:00 PM. However, for approximately 6 weeks throughout the year, this position will be the primary backup remotely for the evening shift, which has hours of approximately 12:30 PM-9:00 PM.

How you will spend your time:

• Monitor and record the receipt of ACH transactions against a prescribed ACH delivery schedule.
• Ensure accurate and timely processing of all ACH files.
• Review system reports for file processing to resolve and record processing issues.
• Perform exception processing according to instructions received.
• Respond to customer calls regarding processing concerns.
• Review and reconcile general ledger accounts as assigned.

We are excited to talk if you have:

• At least 4 years of experience in banking or financial processing.
• In-depth experience in managing ACH transactions.
• Demonstrated attention to detail, organization, and time management skills.
• Ability to communicate clearly with coworkers, managers, business partners, and clients.
• Effectively worked in a team environment.
• Utilize your technical aptitude allowing for learning of company systems, platforms, and products quickly.
• Strong customer services skills.
• Worked autonomously, escalating issues, problems etc. as appropriate.
• Effectively recognized errors, issues, special requests, or inconsistencies in daily operations to solve or elevate to appropriate associate or manager.

Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position.

This position was posted on 08/20/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range:

$44,685 - $65,736

The posted compensation range on this listing represents UMB's good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. Please see the description of benefits included with this job posting for additional information.

UMB offers competitive and varied benefits to eligible associates, such as

• Paid Time Off
• 401(k) matching program
• annual incentive pay
• paid holidays
• a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage
• health savings, flexible spending, and dependent care accounts
• adoption assistance
• an employee assistance program
• fitness reimbursement
• tuition reimbursement
• an associate wellbeing program
• an associate emergency fund
• various associate banking benefits

Benefit offerings and eligibility requirements vary.

Are you ready to be part of something more?

You're more than a means to an end - a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to [e-mail] to let us know the nature of your request.

If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.