Sr. Payments Specialist (ACH Specialist)

Job Description

Job Description

Sparks Group has teamed with a well-established financial institution is seeking an experienced Senior Payments Specialist to support and oversee daily electronic payment operations, including ACH, Bill Pay, Zelle, External Transfers, FedNow, and related payment services. This role serves as a subject matter expert, ensuring operational excellence, regulatory compliance, dispute resolution, and successful implementation of payment system enhancements. If you’re looking for an exciting opportunity as a new step in your career, apply now!

Key Responsibilities

• Manage daily payment operations including ACH, Bill Pay, Zelle, External Transfers, FedNow, and check processing activities.
• Investigate and resolve payment disputes, exceptions, returns, adjustments, and transaction research in compliance with NACHA and Reg E requirements.
• Serve as the primary SME and testing lead for payment system upgrades, new product implementations, patches, and enhancements.
• Partner with leadership and cross-functional teams to improve payment processes, operational efficiency, and future payment offerings.
• Monitor payment compliance, support payroll distribution processing, and ensure timely processing of ACH origination and cash management files.

Key Requirements

• 5+ years of experience in payments, banking operations, treasury services, or financial services.
• Hands-on experience with ACH, check processing, real-time payments, or other electronic payment platforms.
• Accredited ACH Professional (AAP) certification required, or actively pursuing certification with a scheduled exam date.
• Strong knowledge of NACHA rules, Reg E, payment network regulations, and operational risk controls.
• Advanced analytical, problem-solving, and Excel skills with experience using payment platforms and reporting tools.

Preferred Qualifications

• Bachelor's degree in Finance, Business, Economics, Information Systems, or a related field (or equivalent experience).
• Experience supporting emerging payment technologies, including FedNow, digital wallets, and real-time payment solutions.
• Background in financial institution operations, credit unions, or banking environments.

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This job is Hybrid Remote.

Pay Range: Salary $70,000.00 to $100,000.00

We offer several comprehensive benefits package including health and life insurance, paid and unpaid time off, and retirement and savings plans to qualifying employees.

Download the Sparks Group mobile app from Apple App Store or Google Play .

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Sparks Group is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, pregnancy, citizenship, family status, genetic information, disability, or protect veteran status.