Pathfinder Bank is seeking an Electronic Banking Operations Manager to provide strategic leadership and operational oversight within a community banking and financial services environment. This role leads ACH operations, checking operations, debit card services, and ATM services, with responsibility for departmental performance, employee development, regulatory compliance, risk management, vendor relationships, and continuous improvement.

Join a team that values your expertise and your community. At Pathfinder Bank, you are more than an employee. You are a valued member of a team that takes pride in helping local businesses and communities grow. When you join us, you become part of a people-first culture built on respect, development, and service.

We offer:

• Competitive compensation and benefits, including health coverage, 401(k) with company match, and paid time off
• Opportunities for career growth and internal mobility within a community bank
• A supportive team environment focused on employee development and engagement
• A community-focused culture with opportunities to give back locally

Position Summary

The Electronic Banking Operations Manager provides strategic and operational leadership for the Bank's E-Commerce department, overseeing ACH operations, checking operations, debit card services, and ATM services. This position is responsible for departmental performance, employee supervision and development, regulatory compliance, operational risk management, fraud prevention, vendor oversight, and service delivery.

The Manager establishes departmental priorities, monitors performance, leads operational improvements and system enhancements, and collaborates with internal business partners to ensure efficient, secure, and reliable electronic banking services.

Essential Functions

• Provide strategic direction and operational oversight for ACH operations, checking operations, debit card services, and ATM services.
• Supervise, coach, and develop departmental employees, including performance management, training, and professional development.
• Oversee daily operations, transaction processing, reconciliations, exception management, and issue resolution to ensure accuracy and efficiency.
• Ensure compliance with applicable banking regulations, payment network rules, and industry standards, including Regulation E, Nacha Operating Rules, UCC Article 4A, and FFIEC guidance.
• Identify, assess, and mitigate operational risks, including payment fraud, transaction errors, and processing vulnerabilities.
• Collaborate with Risk Management, Fraud, Information Security, and Information Technology to strengthen internal controls, business continuity, and fraud prevention measures.
• Manage vendor relationships, third-party service providers, and payment processing platforms to ensure service quality, contractual compliance, and operational effectiveness.
• Develop and monitor departmental budgets, expenses, and resource allocation.
• Lead system implementations, upgrades, conversions, testing, and process improvement initiatives.
• Establish and monitor key performance indicators, risk indicators, and operational reporting to evaluate departmental performance.
• Coordinate and support internal audits, regulatory examinations, compliance reviews, and corrective action plans.
• Partner with internal departments to support organizational initiatives, resolve operational challenges, and improve the customer experience.
• Provide guidance and escalation support for complex electronic banking issues and service disruptions.
• Oversee applicable platform billing, equipment inventories, and operational documentation.
• Monitor emerging payment technologies, regulatory developments, and industry trends to identify opportunities for improvement.
• Maintain availability outside regular business hours when necessary to address critical operational matters.

• Bachelor's degree in Business Administration, Finance, Accounting, or a related field, or an equivalent combination of education and experience.
• Minimum of seven years of experience in electronic banking, payment operations, or related financial services operations.
• Demonstrated leadership experience, including employee supervision, coaching, and performance management.
• Strong working knowledge of ACH processing, Nacha rules, checking operations, debit card services, ATM operations, and payment processing controls.
• Knowledge of applicable banking regulations, operational risk management, fraud prevention, and internal control practices.
• Experience managing vendor relationships, operational projects, and cross-functional initiatives.
• Strong analytical, organizational, problem-solving, and decision-making skills.
• Excellent communication and interpersonal skills, with the ability to collaborate effectively across departments and leadership levels.
• Ability to manage competing priorities, respond to operational issues, and maintain accuracy in a deadline-driven environment.
• Ability to travel occasionally as business needs require.

Preferred Qualifications

• Ten or more years of banking or payment operations experience, including direct supervisory responsibility.
• Experience in a community or regional banking environment.
• Accredited ACH Professional (AAP) certification.
• Experience leading payment system implementations, conversions, or significant operational enhancements.
• Experience with third-party risk management, departmental budgeting, and vendor performance oversight.
• Experience supporting regulatory examinations, internal audits, and remediation initiatives.