Sr. ACH Payment Ops Specialist

Description

This role can be worked from any Choice Bank location in Minnesota or North Dakota. 

The Senior ACH Specialist plays a critical role in managing electronic money transfers through the Automated Clearing House (ACH) Network. The ACH Network facilities electronic money transfers between banks, businesses, and individuals. The ACH Specialist also plays a vital role in adhering to NACHA rules, ensuring accurate and reliable money movement.  

• The ACH Specialist reviews detailed ACH files, ensuring accuracy, and resolving discrepancies in a timely manner along with accounting errors, and reliable money movement.
• Monitors and manages ACH exceptions, including research, adjustments, unauthorized transactions, and ACH disputes. (POAs, LOIs, WSUDs, etc.)
• Process ACH reclamations and research government payments on deceased accounts in a timely manner to ensure losses are avoided.
• Assure audit compliance and procedure quality control.
• Recommends and initiates corrective actions, and ensures compliance with established Bank policies, procedures, and all applicable laws, Nacha rules, regulations. Studies and evaluates the impact of applicable Nacha regulatory changes.
• Takes ownership and ensures timely response and resolution of customer and Bank personnel issues; ensures activities run smoothly and efficiently; and maintains knowledge of internal resources to mitigate disruption of service to customers.
• Proactively contact branches and customers as needed to provide resolution and explanation of account activity.
• Assist in department projects.
• Ability to identify and mitigate risk / fraud related items, escalating appropriately.
• Assists with monitoring and maintaining risk and exposure limits.

Requirements

• 7 years of relevant experience of relevant experience with requisite competencies 
• Handles complex ACH processes and enhanced environments.
• Leads process improvements and risk mitigation strategies.
• Advanced understanding of ACH operations, NACHA rules, and compliance requirements.
• Expertise in ACH systems, risk monitoring, and exception management.
• Accountable for complex tasks and projects with minimal supervision.
• Uses judgment to resolve non-routine issues and guide junior staff.
• Influences junior team members and serves as a subject matter expert.
• Acts as a point of escalation for ACH-related issues.
• Provides training and mentors junior team members.
• AAP required; NCP and APRP preferred.

Travel Requirement 

This position requires travel to support business needs, including team collaboration, internal trainings, and cross-functional initiatives. The frequency and duration of travel will vary based on organizational priorities and team needs.

Culture Alignment  

Choice is #PeopleFirst, banking second.   

People don’t need just another bank. People need to be supported by a team of trusted partners who will get to know them and their business, understand their challenges, discover their dreams, and recognize the success in bringing people and banking together in our communities.  

In contributing to our culture, Choice team members are guided by our core values.  

• Embrace change and encourage innovation.  
• Know when to ask for help and know when to offer help.  
• Better the places we live.  
• Work hard. Do the right thing. Have a little fun.  

Our vision of Diversity at Choice is supported by our #PeopleFirst mission and our core values.  

Being #PeopleFirst means that Choice is committed to focusing attention and resources towards creating an environment where everyone feels respected and valued and can do their best work. Doing the right thing means encouraging employees to share their experiences and ideas, and to bring their whole authentic selves to work. Together, we can build an inclusive culture that seeks out, supports, and celebrates diverse voices. We can use our diversity to fuel creativity and innovation and bring us closer to our customers and the communities we serve. Be welcome at Choice. We can see you here. 

Disclosure
This job description is intended to describe the general content of, and requirements for, the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities, or requirements. All requirements are subject to possible modification to reasonably accommodate individuals with disabilities. Some requirements may exclude individuals who pose a significant risk to the health and safety of themselves or other employees.  

All employment at Choice Financial Group is “at will” employment. This position description does not create an employment contract, implied or otherwise. 

The base salary for this role is listed below. This pay range is posted to comply with wage transparency laws. The base salary may vary based on skill, ability, knowledge, experience and geographic location. Full-time employees are also eligible for a competitive bonus and benefits package. Check out bankwithchoice.com/careers for an outline of current benefit offerings.