ACH Specialist I

Are you wanting to get started in fintech and don't know where to begin? If you have a mind for numbers, details, and solving problems, you should consider ACH Operations!As our ACH Specialist I, you'll play a key role in ensuring the seamless execution of ACH transactions that keep money moving safely and efficiently across our platforms. If you're detail-oriented, process-driven, and eager to grow in the world of payments, we'd love to meet you.

What You'll Do

Support daily operations of the Automated Clearing House Processing System (ACHPS), including validations, maintenance, and exception handling.

Collaborate with the ACH team to execute implementation, testing, and wind-down procedures for ACH processing.

Assist in executing changes to the ACH processing system, including risk limit updates and test case documentation.

Complete daily checklists to ensure timely and accurate processing of inbound and outbound ACH transactions.

Resolve ACH exceptions, including unpostable transactions, risk limit violations, returns, reclamations, and Written Statements of Unauthorized Debit (WSUD).

Prepare monthly reports and perform trend analysis to support internal strategy and oversight.

Maintain and update operational procedures to reflect current regulatory and business requirements.

Support internal departments and Partners with inquiries, troubleshooting, and education on Nacha rules and ACH operations.

Identify opportunities to improve ACH processes and service delivery.

Perform other responsibilities as assigned by leadership. Why You Should Join Us

Be part of a collaborative, high-performing team focused on delivering accurate, secure payment operations.

Gain hands-on experience in ACH processing with mentorship from experienced leaders.

Contribute to a fast-growing fintech company where operational excellence is a top priority.

Learn and grow in a role that supports your professional development and career progression.

Work in a supportive culture that values attention to detail, continuous improvement, and innovation. What You Bring

Familiarity with Nacha Operating Rules and ACH processing (preferred).

Strong problem-solving skills and the ability to interpret financial data.

High attention to detail and a commitment to accuracy.

Clear written and verbal communication skills.

Solid organizational and time management skills.

Comfort with Microsoft Office applications, especially Excel.

A collaborative approach to team-based work. Qualifications

Associate degree in accounting, finance, or a related field; or 1-3 years of experience in ACH processing, account reconciliation, or financial operations.

Experience with ACHPS (FIS/eFunds) preferred but not required.

Working knowledge of banking regulations and ACH functionality preferred. What We Offer

A hybrid work environment with flexibility

Opportunities for professional growth and development

A supportive team culture where your voice is heard