ACH Operations Specialist

Job title: ACH Operations Specialist

ACH Operations Specialist to support treasury operations for a banking organization in Fort Lauderdale, FL. This role combines transaction oversight, issue resolution, fraud awareness, and adherence to banking and ACH regulations, with a focus on high-volume payment activity and maintaining strong operational controls.

What You'll Do

• Oversee daily ACH origination and return workflows to ensure timely and accurate processing.
• Examine ACH activity for unusual patterns, potential fraud concerns, and compliance with applicable operating rules.
• Handle returns, notifications of change, and proof of authorization requests while maintaining complete and accurate records.
• Track unauthorized return levels and escalate items that may require risk review or corrective action.
• Communicate with commercial clients regarding exceptions, return activity, and ACH-related compliance matters.
• Support clients with ACH processing questions and resolve issues with a high level of service.
• Calculate and apply ACH-related fees, reserve changes, and adjustments tied to return activity.
• Monitor processing schedules to identify missing files, halted batches, and other operational exceptions.
• Work with treasury operations and internal business partners to address processing issues and improve workflow efficiency.
• Prepare documentation and reporting in Microsoft Excel and recommend enhancements to controls and operating procedures.

What We're Looking For

• At least 2 years of ACH operations experience within a bank or other financial institution.
• Practical knowledge of ACH operating rules and standard processing requirements.
• Experience with ACH origination support, return processing, notifications of change, and proof of authorization research.
• Ability to work directly with commercial customers on ACH activity, exceptions, and compliance-related questions.
• Strong analytical skills with careful attention to detail and accuracy.
• Advanced Microsoft Excel capability, including data reconciliation and lookup functions.
• Excellent written and verbal communication skills in a fast-paced environment.
• ACH certification, experience with ACH processing platforms, or background in treasury management, merchant services, fraud monitoring, or exception handling is preferred.

Nice to Have

• ACH certification, experience with ACH processing platforms, or background in treasury management, merchant services, fraud monitoring, or exception handling is preferred.

Compensation & Benefits

• Salary: $65,000 - $75,000 per year.
• Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance.
• Hired contract/temporary professionals are eligible to enroll in the company 401(k) plan.