Senior ACH Operations Manager

Job Description

Job Description

Position Summary

Position Summary

  The Senior ACH Operations Manager provides hands-on leadership for the Bank's day to day ACH Operations function. The role is accountable for accurate and timely processing, effective exception and return management, strong operational controls, regulatory compliance, team performance, and issue resolution. The Manager also supports readiness for RTP, FedNow, and other emerging payment capabilities as the Bank expands its payments infrastructure. 

Key Responsibilities  

• Lead daily ACH Operations, including work distribution, processing oversight, exception management, returns, settlement, balancing, reconciliation, and issue resolution. 

• Establish clear operating routines, service standards, escalation protocols, quality expectations, and performance measures. 

• Serve as the primary operational escalation point for complex ACH matters and coordinate timely resolution across internal partners and payment providers. 

• Ensure compliance with NACHA Operating Rules, applicable regulations, internal policies, and established operational controls. 

• Maintain current procedures, control documentation, audit readiness, issue remediation, and risk assessment support. 

• Use reporting to monitor volumes, exceptions, service levels, processing accuracy, reconciliation status, operational risk indicators, and staffing needs. 

• Identify and lead opportunities to reduce manual work, strengthen controls, improve consistency, and increase scalability. 

• Partner with Treasury Management, Fraud Operations, Compliance, Risk Management, Accounting, Technology, and vendors on ACH related initiatives and issues. 

• Provide leadership, coaching, cross training, and development for the ACH Operations Team while maintaining appropriate coverage for critical functions. 

• Support operational planning, testing, procedures, controls, and implementation readiness for RTP, FedNow, and other new payment capabilities. 

Required Qualifications

• 5 or more years of ACH Operations, Payments Operations, Banking Operations, or related financial services experience. 

• 3 or more years of experience leading teams, supervisors, or operational functions. 

• Strong working knowledge of ACH processing, exceptions, returns, settlement, balancing, reconciliation, and operational controls. 

• Working knowledge of NACHA Operating Rules and ACH related compliance requirements. 

• Demonstrated ability to manage daily operational execution, resolve complex issues, strengthen controls, and improve processes. 

• Strong communication, analytical, problem solving, and cross functional partnership skills. 

• Ability to manage competing priorities, make sound operational decisions, and escalate issues appropriately. 

Preferred Qualifications

• AAP certification, or willingness to obtain certification within an agreed period after hire. 

• Experience with payment system implementations, conversions, testing, automation, or operational readiness. 

• Exposure to RTP, FedNow, Real Time Payments, or other faster payment capabilities. 

The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position.  They are not intended to be an exhaustive list of responsibilities, duties, and skills.  Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry.  It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles.  This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities. 

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