ACH Operations Analyst

Job Overview

This role is an opportunity to join a rapidly expanding digital payments operation as an ACH Operations Analyst within a fintech setting based in the United States. The primary responsibilities involve ensuring precise and compliant fund transfers across payment networks and banking entities. This position is pivotal in managing reconciliations, addressing transaction issues, streamlining operational workflows, and enhancing payment program performance. Collaboration with finance, operations, customer support, and external partners is vital, and the ideal candidate is someone who is detail-oriented, enjoys problem-solving, and values process improvements in a dynamic technological environment.

Key Responsibilities

• Conduct daily, weekly, and monthly reconciliation activities among transactional systems, financial platforms, and banking collaborators.
• Supervise and verify complete money transfer transactions to guarantee accuracy and timeliness.
• Examine and resolve any payment discrepancies, transaction failures, or exceptions by liaising with internal teams and external financial institutions.
• Detect opportunities for automation of manual tasks, enhance reconciliation methods, and utilize AI-based tools to boost operational productivity.
• Administer merchant authorization workflows by accurately gathering, verifying, and maintaining necessary documentation and approvals.
• Provide accurate, prompt, and professional support to customer and merchant inquiries related to payment processes.
• Maintain thorough documentation of operational procedures while contributing to improvements in controls and reporting.
• Work closely with cross-functional teams to satisfy compliance standards and reinforce the reliability of payment programs.

Candidate Requirements

• Minimum of 3 years' experience in financial operations, fintech, banking, accounting, or closely related areas.
• Demonstrated proficiency with reconciliation, transaction balancing, and managing financial operations.
• Comprehensive understanding of banking procedures, electronic funds transfers, payment processing, and digital wallet systems.
• Experience and familiarity with ACH networks and associated payment workflows.
• Preferred knowledge of NACHA Operating Rules and ACH compliance guidelines.
• Strong analytical aptitude and problem-solving capacity to diagnose discrepancies and uncover root causes.
• Exceptional attention to detail with ability to juggle multiple operational tasks effectively.
• Comfort and competence in cross-departmental collaboration, involving internal stakeholders and financial partners.
• Technologically adept mindset interested in automation, process optimization, and emerging financial tools.
• Excellent communication skills with the capability to clearly document processes and procedures.

Benefits and Additional Information

• Competitive salary package commensurate with experience and qualifications.
• Fully remote work option within the United States.
• Engagement in an innovative technological environment dedicated to improving digital payment experiences.
• Collaboration with diverse teams spanning finance, operations, customer service, and technology.
• Opportunities to contribute meaningfully to process automation and operational advancement.
• An inclusive culture emphasizing collaboration, respect, and professional development.
• Potential career growth within a fast-evolving fintech industry.

Important Notes

This listing is facilitated by a partner company which handles all applications and subsequent hiring stages directly. The recruitment process leverages AI technology to objectively evaluate applications against the core requirements; however, final hiring decisions rest with human recruiters. Applicants' personal data is processed under applicable data protection norms including GDPR, and AI tools may be employed in evaluating application materials with human oversight ensuring fair judgment.