ACH Payments Associate

Metropolitan Commercial Bank (MCB) is a full‑service commercial bank located in New York City, providing tailored banking solutions to businesses, institutions, and individuals. The ACH Electronic Payment Associate is responsible for processing, monitoring, and reconciling Automated Clearing House (ACH) transactions to ensure accurate and timely payment processing. This role supports commercial banking clients by handling ACH file transmission, researching transaction discrepancies, and ensuring compliance with NACHA operating rules and bank policies. 4‑day in‑office requirement, 1 day remote (of your choosing). The role requires availability for weekly rotation 9 am – 5 pm, and 10 am – 6 pm. Responsibilities Monitor ACH file transmissions and resolve exceptions or errors in a timely manner. Assist customers and internal teams with ACH‑related inquiries, including research and resolving transaction issues. Review and clear OFAC hits in ACH systems. Reconcile ACH transactions, including Notice of Reclamation and FRB debits. Process ACH returns and exception handling. Ensure compliance with NACHA rules, banking regulations, and internal policies related to ACH processing. Review & process Proof of Authorization (POA) and Trace Requests. Maintain accurate records and documentation related to ACH processing and compliance. Participate in system upgrades, testing and process improvements to enhance ACH Operations. Assist with processing wire transfers. Required Knowledge, Skills & Experience 3+ years banking experience in ACH processing, electronic payments or banking operations. College degree or equivalent work experience in the field of banking or finance. Strong knowledge of NACHA rules, federal banking regulation and payment processing procedures. Ability to research and resolve issues related to ACH. Ability to operate banking software and other general office equipment. Able to work with minimal direction, demonstrate initiative‑taking problem‑solving ability, and manage time pressures and changing priorities. Ability to work in a challenging environment and manage multiple tasks effectively. Driven by a passion and curiosity to continuously learn how various technological systems, including AI, can enhance the work you do. Potential Salary:$70 k–$75 k annually This salary range reflects base wages and does not include benefits, bonus, or incentive pay. Salary bands are purposefully wide ranging to encompass the different factors considered in determining where a candidate falls in the range, including but not limited to, seniority, performance, experience, education, and any other legitimate, non‑discriminatory factor permitted by law. Final offer amounts are determined by multiple factors including candidate experience and expertise and may vary from the amounts listed here. Metropolitan Commercial Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression or any other characteristic protected by federal, state, or local laws. This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training. MCB maintains a drug‑free workplace. #J-18808-Ljbffr