OVERVIEW

The ACH Analyst supports the Bank’s ACH operations, including daily processing, reconciliation, monitoring, reporting, exception processing, customer support, and compliance with NACHA rules. This role serves as an ACH subject matter resource and works with internal departments, customers, and payment partners to resolve issues and improve ACH processes.

ESSENTIAL DUTIES AND RESPONSIBILITES include the following.

• Support daily ACH processing, reconciliation, returns, exceptions, and notifications.
• Monitor ACH activity, transaction volumes, limits, and return rates; escalate issues as needed.
• Serve as a subject matter resource for ACH-related questions from employees, customers, and partners.
• Support new ACH customer and partner onboarding and ACH limit requests.
• Research and resolve ACH disputes, exceptions, returns, and operational issues.
• Assist with NACHA rule updates, training, and communication to employees and customers.
• Prepare ACH reports for management, the Board of Directors, NACHA, and other stakeholders.
• Support annual ACH originator reviews and risk assessments.
• Coordinate ACH audit and examination requests and maintain supporting documentation.
• Work with Fiserv, Direct Access participants, and other partners to resolve ACH issues.
• Maintain ACH procedures and process documentation.
• Identify opportunities to improve ACH reporting, monitoring, processes, and controls.
• Identify opportunities to automate manual ACH processes and reporting.
• Perform other duties and special projects as assigned. 

SUPERVISORY RESPONSIBILITIES

This job does not have managerial responsibilities.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE

• High school diploma/GED; Bachelor’s degree or equivalent experience in banking/financial services preferred
• Accredited ACH Professional (AAP) certification required
• Five years’ experience with NACHA rules and regulations, preferably in Digital Payments
• Computer skills, including proficiency in MS Excel and Word
• Excellent organizational skills with attention to detail

OTHER QUALIFICATIONS

• Clear and effective communicator 
• Collaborative team player 
• Detail-driven with a high level of accuracy
• Effective interpersonal skills
• Strong attention to details & mathematic skills
• Excellent customer service ability  
• Strong sense of integrity and personal ethics
• Requires the ability to handle multiple tasks
• Polished verbal and written communication skills
• Time management skills
• Strong organizational and follow up skills
• Accurate and precise reporting ability

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job. Reasonable accommodations may be made to enable Individuals with disabilities to perform the essential functions. 

Travel: Travel to client offices, prospects, branches, and industry events.

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel and talk or hear. The employee is frequently required to reach with hands and arms. The employee is occasionally required to stand; walk and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision, color vision and ability to adjust focus.

WORK ENVIRONMENT

While performing the duties of this Job, the employee is occasionally exposed to outside weather conditions. The noise level in the work environment is usually moderate.

EQUAL EMPLOYMENT OPPORTUNITY

Patriot Bank is an Equal Opportunity Employer and does not discriminate based on race, color, religion, sex, gender identity or expression, sexual orientation, national origin, ancestry, age, disability, medical condition, genetic information, marital status, veteran status, or any other protected status under federal, state, or local law.

This job description indicates the general nature and level of work expected of the incumbent. It is not designed to cover or contain a comprehensive list of activities, duties or responsibilities required of the incumbent. Incumbents may be asked to perform other duties as required.