JOB SUMMARY:
The ACH Payment Specialist plays a critical role in ensuring the efficient and secure processing of ACH transactions within the bank. The Specialist is responsible for the processing of the daily operational functions including Dispute Resolutions, Death Notification Entries (DNEs), Reclamations, Stop Payments, Federal Reserve adjustments, and ACH balancing and Rejects. They will also collaborate closely with relevant departments and stakeholders to optimize ACH operations and support the Retail Branches.
The ACH Payments Specialist plays a crucial role in the processing of the Bank’s ACH Functions and Operations.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
- Develop and update procedures for the department, where needed, to ensure that they align with the Bank’s current processes and on-going growth.
- Provide support, assist with research, evaluation, testing and monitoring of ACH.
- Provide and assist with special projects, including bank core conversions.
- Prepare the monthly ACH Return Monitoring report.
- Prepare the daily ACH Macro Fed Balance Sheet.
- Monitor the ACH file confirmations throughout the day, reporting any issues due to no emails being received, duplicate files, etc. and open tickets.
- Support the retail branches with questions, policies, procedures and/or NACHA rules relating to ACH.
- Support the retail branches with questions relating to disputes and Reg E claims and timeframes.
- Review the risk associated with ACH Stop Payment hits and suspects. Review for proper completion and process related returns timely.
- Review the risk associated with DNE’s and Reclamation notifications received from US Treasury and/or Federal Reserve.
- Monitor and review compliance for regulation E as it relates to ACH consumer disputes.
- Complete all ACH training provided annually.
- Support Deposit Operations team to ensure duties are completed accurately and timely.
- Provide ACH Dashboard monthly to Operations Support.
- Other tasks as directed by the ACH Payments Manager and / or ACH Payments Team Lead.
- Adheres to Seacoast Bank’s code of conduct.
EDUCATION and/or EXPERIENCE:
- High School Diploma or equivalent required.
- 1-3 years Banking experience; or a combination of education and experience.
- Nacha certification preferred.
- Strong analytical skills and attention to detail.
- Ability to work collaboratively within a team environment.
- Commitment to maintaining compliance and operational standards.
- PC proficient, including MS Word and MS Excel.
- Effective communication and collaboration capabilities.
The Statements above are intended to describe the general nature and level of work being performed by people assigned to this position. They are not intended to be an exhaustive list of responsibilities, duties, and skills. Because these statements are general, the job description is used for a variety of purposes including job evaluations; performance reviews; recruitment; etc. All Associates are required to adhere to the highest legal and ethical standards applicable to our industry. It is the policy of Seacoast Bank that all Associates will be familiar and compliant with all regulatory, legal, ethical and Bank risk mitigation requirements pertaining to both our industry and their individual roles. This includes the on time, successful completion of annual required training post-hire and effective execution of role responsibilities.
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Skills Required
- High School Diploma or equivalent
- 1-3 years banking or payments operations experience
- NACHA certification
- Strong analytical skills and attention to detail
- Ability to work collaboratively in a team
- Commitment to compliance and operational standards (Reg E, NACHA)
- PC proficiency including Microsoft Word and Microsoft Excel
- Effective written and verbal communication skills
- Complete annual ACH training
Seacoast Bank Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Seacoast Bank and has not been reviewed or approved by Seacoast Bank.
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Leave & Time Off Breadth — Paid holidays, vacation/PTO, and sick leave are part of the package, with bank holidays providing additional time off beyond standard PTO.
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Retirement Support — A 401(k) with company match and profit sharing are offered, alongside an active employee stock purchase plan that broadens long‑term wealth‑building options.
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Wellbeing & Lifestyle Benefits — Medical, dental, vision, wellness program, EAP, flexible spending accounts, tuition reimbursement, and banking‑service perks (e.g., free accounts and safe‑deposit box) round out total compensation beyond base pay.
Seacoast Bank Insights
What We Do
Since 1926, Seacoast Bank has succeeded through a clear vision, planned strategic growth and talented, professional employees. Seacoast provides integrated financial services including commercial and consumer banking, wealth management and mortgage services to customers at 85 full-service branches across Florida, and through advanced mobile and online banking solutions. Seacoast Bank is the wholly owned subsidiary bank of Seacoast Banking Corporation of Florida (NASDAQ: SBCF), one of the largest community banks headquartered in Florida and is Member FDIC/Equal Housing Lending. As of 2023, Seacoast Bank has just under 1,600 associates, $15 billion in assets and $12 billion in deposits. Our Vision: To be the trusted advisor of choice to the customers, businesses, and communities we serve. Our Four Promises: We believe that our greatest assets will always be our people — local bankers who are knowledgeable about the communities we serve and dedicated to an exceptional customer experience. For nearly a century, Seacoast Bank’s commitment to customers has remained the same and is summarized by its Four Promises. We promise to: 1. Get you comfortable with the right products and the right team to serve you 2. Make your day-to-day banking simple 3. Resolve out-of-the-ordinary items responsively 4. Invest in you and your community Please note: This page is intended to be an informational place for our customers and employees to connect and interact. To ensure that visiting our LinkedIn page is a great experience for everyone, we have a several guidelines that we ask you to follow. The Seacoast Bank Social Media Terms Of Use can be viewed at https://www.seacoastbank.com/agreements-and-disclosures/social-terms.
