Experience: Senior Level
Salary: $100,000 - $140,000 per year
Job Details
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The ACH Manager is responsible for leading the Bank’s payment operations, with a focus on ACH processing and broader oversight across a multi-rail payments environment. This includes ACH origination and receipt, real-time payments (RTP/instant payments), wires, Zelle®, and other emerging payment channels.
This role serves as the primary compliance and risk lead for all payment-related activities, conducting daily risk assessments and ensuring adherence to applicable regulations, rules, and internal policies. The ACH Manager partners across business units to strengthen controls, streamline processes, and enhance operational efficiency.
Required Knowledge
- Extensive knowledge of NACHA Operating Rules & Guidelines governing ACH processing and compliance.
- Strong understanding of Real-Time Payments network rules, including RTP and FedNow requirements.
- Comprehensive knowledge of Regulation E (Electronic Fund Transfers) and consumer protection requirements.
- In-depth familiarity with Bank Secrecy Act (BSA), Anti-Money Laundering (AML), and OFAC regulations.
- Working knowledge of the Green Book governing federal government ACH payments.
- General understanding of wire transfer regulations and applicable payment network rules.
- Awareness of emerging payment technologies, digital payment trends, and evolving industry standards.
Education and Experience
- Bachelor’s Degree or equivalent required.
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5–10 years of banking operations or payments experience required.
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Supervisory experience required.
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Accredited ACH Professional (AAP) certification required.
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Accredited Payments Risk Professional (APRP) certification preferred/recommended.
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Experience with ACH operations including returns, reversals, NOCs, reclamations, and originations
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Experience with real-time or instant payments (RTP, FedNow) preferred.
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Exposure to wires, Zelle®, and additional payment channels preferred.
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Experience with payment system implementations or enhancements preferred.
A bit about us:
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We are a well-established California bank that has been in operation for over 100 years
Why join us?
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Strong benefits (M,D,V, and 401k)
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Profit sharing contribution
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Annual Bonus
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Flexible work environment
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