We are looking for an experienced ACH Manager to lead daily ACH operations and help maintain a high standard of accuracy, compliance, and client service. This position is based in Memphis, Tennessee, and plays a central role in overseeing transaction processing, managing operational risk, and supporting cross-functional banking teams. The ideal candidate brings strong knowledge of ACH rules, treasury operations, and staff leadership, along with the ability to improve workflows and resolve complex processing issues.
Responsibilities:
- Direct day-to-day ACH activities, including origination, incoming items, settlement, returns, reversals, notifications of change, and exception handling.
- Ensure ACH transactions are completed accurately and within required timeframes while adhering to internal policies and applicable operating rules.
- Supervise balancing, reconciliation, and file delivery processes to support consistent and controlled operations.
- Investigate escalated transaction issues and coordinate timely resolution for internal partners and clients.
- Strengthen operational performance by identifying control gaps, refining procedures, and improving efficiency across ACH workflows.
- Lead and support team members through daily oversight, coaching, training, and performance guidance.
- Review higher-risk items such as exceptions, unauthorized entries, and returns within established approval authority.
- Monitor activity for fraud, unusual trends, and compliance concerns, and assist with audits, examinations, and control reviews.
- Partner with treasury management, deposit operations, compliance, fraud, and commercial banking teams on client support, onboarding, and risk-related matters.
- Contribute to reporting, volume analysis, return-rate monitoring, forecasting, business continuity efforts, and testing for system updates or enhancements.
- At least 5 years of experience in ACH operations, treasury management operations, deposit operations, or a related banking function.
- Prior experience leading, supervising, or mentoring operational staff, with 3 or more years preferred.
- Working knowledge of commercial ACH origination, exception processing, settlement activity, and transaction risk oversight.
- Strong understanding of ACH Operating Rules, Regulation E, UCC Article 4A, and other applicable banking regulations.
- Bachelor’s degree in Business, Finance, Accounting, Banking, or a related field preferred.
- Demonstrated analytical ability with strong attention to detail and sound problem-solving skills.
- Effective written and verbal communication skills with the ability to work across multiple business units.
- Ability to manage competing priorities and meet deadlines in a fast-paced operational environment.