What a community bank should be.
ACH Product Owner
Location
United States
Posted
9 hours ago
Salary
0
Seniority
Senior
Job Description
ACH Product Owner
Patriot Bank, N.A.
• Serve as the primary point of contact for all ACH-related inquiries from internal departments, customers, payment partners, and third-party service providers. • Lead onboarding and implementation of new ACH partners and originating customers. • Support existing partners and customers with ACH services, including exposure limit reviews and product enhancements. • Collaborate with vendors, including Fiserv and Direct Access partners, to resolve operational issues and improve service delivery. • Identify opportunities to expand ACH capabilities and improve the customer experience. • Ensure ongoing compliance with NACHA Operating Rules, applicable regulations, and Bank policies. • Communicate NACHA rule changes and regulatory updates to internal stakeholders, customers, and partners. • Conduct annual ACH Originator Reviews and maintain supporting documentation. • Partner with Compliance, Risk Management, Information Security, and Internal Audit to complete annual ACH risk assessments. • Monitor ACH activity, return rates, and exposure to identify trends and mitigate operational risk. • Perform daily ACH reconciliation and resolve balancing discrepancies. • Oversee ACH exception processing, return notifications, and customer dispute resolution. • Coordinate resolution of ACH processing issues and operational exceptions. • Prepare quarterly ACH reporting for Executive Leadership and the Board of Directors. • Compile and submit required NACHA and Direct Access participant reporting. • Develop and enhance reporting tools that improve operational monitoring, risk management, and executive reporting.
Job Requirements
- Accredited ACH Professional (AAP) certification required.
- High school diploma or GED required.
- Equivalent combination of education and relevant experience will be considered.
- Minimum of five (5) years of experience supporting ACH operations, digital payments, treasury management, or payment systems.
- Experience working with NACHA rules, compliance, and operational risk management.
- Strong knowledge of NACHA Operating Rules and ACH payment processing.
- Excellent analytical, organizational, and problem-solving skills.
- Strong attention to detail and accuracy.
- Exceptional written and verbal communication skills.
- Ability to manage multiple priorities in a fast-paced environment.
- Strong customer service and relationship management skills.
- High level of integrity, professionalism, and sound judgment.
- Advanced proficiency in Microsoft Excel and Microsoft Office applications.
- Ability to analyze data and produce accurate management reports.
Benefits
- This job does not have managerial responsibilities.
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