The Role
Process and reconcile daily ACH return and payment files in accordance with NACHA and federal guidelines. Research and resolve ACH returns and member escalations, perform ACH adjustments, support reconciling and settlement, partner with internal teams, and assist with testing, disputes, and related ACH projects.
Summary Generated by Built In
Who we are:
At SECU, we put our employees first, recognizing that their well-being and professional development are vital to our success. By fostering a supportive and empowering work environment, our employees are committed to helping members achieve long-term financial security. They are also inspired to give back to the communities we serve by volunteering and spreading kindness, which reflects our core values and who we are as an organization.
Every employee at SECU contributes to our members’ financial well-being, and we’ll always do what’s right for our members, employees, and communities.
Feel good about what you do. Belong to a place where you matter and can make a difference.
What you will do:
The ACH File Processor is a member of a team composed of experienced ACH professionals who contribute their knowledge and ACH file processing experience to provide outstanding service to our members. ACH File Processors are detailed oriented individuals that have a track record of achieving departmental and institutional goals. The ACH File Processors is responsible for analyzing, and reconciling daily ACH returns and payments in accordance with Nacha and Federal guidelines
The ACH File Processor adheres to regulations and organizational policies, maintaining awareness and knowledge required to perform the duties of the position, including all aspects of the Bank Secrecy Act and related regulations, such as OFAC, and the USA Patriot Act, Fair Lending and Information Security.
A day in your life might include:
• Process multiple incoming daily Federal Reserve ACH return files in accordance with Nacha governing regulations
• Prepare and send daily completed ACH files to partner Accounting/Recon teams.
• Research and respond daily to ACH return file member escalations.
• Perform Federal Reserve/ EPN ACH adjustments and assists Recon/Accounting teams with balancing and settlement.
• Partner with other internal departments to research and resolve ACH processing issues.
Additional Responsibilities may include:
• Perform ACH testing of new products of systems.
• Attend three NACHA training webinars annually.
• Assist with ACH dispute, stop payment, EFT and ACH research as needed.
• Additional job-related projects and duties as assigned by management.
Education Requirements
• High School Degree or Equivalent Required
• At least 1 year of ACH file processing work experience required.
• AAP certified professional, preferred.
• Knowledge of Reg E and NACHA Regulations, preferred.
• Strong analytical skills.
• Ability to multitask under tight deadlines.
• Problem resolution experience.
• Proficient in Microsoft office (Word, Excel, Outlook).
• Ability to prioritize workload commitments.
• Excellent verbal and written communication skills.
Physical Requirements
• Must be able to remain in a stationary position, often standing or sitting for prolonged periods
• Must be able to lift up to 25 pounds
Compensation Information: Offers will be commensurate with experience and education.
- The full hourly range for this Grade is $21.35 – $32.02; however, the hourly range for this specific position is $21.35 - $26.50, dependent on skills and experience level.
Other Compensation Includes:
- Annual corporate-wide incentives
We provide comprehensive benefits, with a focus on total well-being:
- Medical, vision, dental benefits
- 401k plan with company matching
- Generous sick, vacation and personal leave
- And more...2026 SECU Benefits Guide
SECU is committed to fostering a diverse, equitable, and inclusive workforce where all individuals are valued and respected. We take pride in providing equal opportunities for all qualified applicants regardless of race, ethnicity, national origin, gender, sexual orientation, gender identity or expression, religion, military or veteran status, or any other characteristics protected by law.
Skills Required
- High School Degree or Equivalent
- At least 1 year of ACH file processing work experience
- Proficient in Microsoft Office (Word, Excel, Outlook)
- Strong analytical skills
- Ability to multitask under tight deadlines
- Problem resolution experience
- Ability to prioritize workload commitments
- Excellent verbal and written communication skills
- Must be able to remain stationary for prolonged periods (standing or sitting)
- Must be able to lift up to 25 pounds
- AAP certified professional
- Knowledge of Reg E and NACHA Regulations
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The Company
What We Do
Founded in Baltimore in 1951, SECU is Maryland's largest credit union with nearly 240,000 members. As a member-owned financial services organization, it provides a wide range of banking products, including personal and business banking, financial advice, lending, and mortgage services. SECU is dedicated to supporting the financial well-being of its members and giving back to the communities it serves through various outreach initiatives.
