ACH Payments Manager

Key Responsibilities

Team & Operations Management

• Manage and develop a team of ACH Operations Specialists, including daily work allocation, performance coaching, and professional development
• Own staffing adequacy and capacity planning; monitor production hours against transaction volumes and escalate staffing needs with supporting data
• Establish and maintain standard operating procedures for all ACH processing functions, ensuring documentation remains current with Nacha rule changes and internal policy updates
• Coordinate cross-training to maintain operational continuity during absences, volume surges, and staff transitions — eliminating single points of failure
• Drive team accountability against intraday processing deadlines and regulatory return windows

ACH Processing & Exception Management

• Oversee the daily monitoring and processing of inbound and outbound ACH files, ensuring erroneous activity or system failures are identified and communicated immediately
• Direct the processing of ACH manual returns, stop payments, rejected entries, and non-post items within Nacha-prescribed timelines (e.g., 2 banking days for unauthorized return entries under Nacha Operating Rules)
• Manage ACH reclamation processing and ensure compliance with federal reclamation requirements
• Supervise ACH origination and service setup, modifications, and deletions for the operations department
• Maintain and validate daily ACH outgoing files for accuracy, review, and record retention
• Prepare and review daily ACH reports for management review and approval

Instant Payments & Emerging Rails

• Oversee the processing and exception handling for real-time payment transactions across FedNow and RTP networks, including timeout errors, duplicate detection, return requests, and RFI messages
• Monitor instant payment exception trends and adjust staffing and procedures as volume grows with client adoption of real-time payment rails
• Partner with product, technology, and compliance teams on instant payment enhancements and new rail integrations

Deposit Operations Support

• Provide oversight and direct support for deposit research and adjustment entries to correct processing errors
• Reconcile DDA and General Ledger variances by researching and resolving out-of-balance issues
• Assist with IntraFi transaction processing upon request from middle office operations
• Monitor GNI accounts for collateral adequacy; manage new, increasing, and decreasing collateral positions with FHLB upon front office direction
• Provide coverage and support for money fund purchases, redemptions, and FDIC-insured deposit solutions, including transaction processing, provider reconciliation, and client service as needed

Process Improvement & Automation

• Identify, evaluate, and implement automation opportunities to reduce manual touch points and per-item processing time
• Track efficiency gains from automation initiatives and report measurable outcomes to management (e.g., exception volume reduction, hours recovered)
• Partner with technology teams on system enhancements, workflow tools, and reporting capabilities that improve ACH processing accuracy and throughput

Stakeholder & Partner Management

• Build and maintain strong working relationships with internal business partners, compliance, risk, technology, and front office teams
• Serve as the primary operational point of contact for external financial institutions on ACH-related inquiries, ensuring timely and professional response within departmental and Nacha-mandated deadlines
• Manage Salesforce case volume related to ACH operations, ensuring timely resolution and consistent client and partner communication
• Coordinate with sub-custodians and money market mutual fund providers on trade settlement activity when supporting broader deposit operations functions

Compliance & Risk

• Ensure all ACH processing activities comply with Nacha Operating Rules, Federal Reserve Regulation E, UCC Article 4A, and internal bank policies
• Monitor for regulatory changes affecting ACH and instant payment operations; assess impact and update procedures accordingly
• Support internal and external audit and examination requests with accurate documentation, data, and process narratives
• Maintain awareness of OFAC screening requirements applicable to ACH transactions and coordinate with BSA/AML compliance as required

Required Qualifications

• 7–10 years of progressive banking operations experience with a primary focus on ACH processing and deposit operations
• 2+ years of direct team leadership or supervisory experience in a payments or deposit operations environment
• Strong working knowledge of Nacha Operating Rules and Federal Reserve ACH regulatory framework (Regulation E, Regulation CC)
• Demonstrated experience managing high-volume, deadline-driven transaction processing with strict intraday cutoff requirements
• Proven ability to analyze workload data, identify capacity constraints, and make data-supported staffing and process recommendations
• Proficiency with Fiserv core banking products (or comparable core platforms) and Cash Management software
• Advanced proficiency in Microsoft Excel, Outlook, and the broader Microsoft 365 suite for reporting, analysis, and communication
• Strong written and oral communication skills with the ability to interact professionally with internal partners and external financial institutions

Preferred Qualifications

• Experience with real-time payment rails (FedNow, RTP) including exception handling and settlement processes
• Familiarity with IntraFi deposit network products and FHLB collateral management
• Knowledge of trade settlement processing, sub-custodian operations, and money market fund transaction workflows
• AAP (Accredited ACH Professional) or APRP (Accredited Payments Risk Professional) certification from Nacha
• Experience implementing process automation or workflow optimization initiatives within a payments operations environment
• Familiarity with Salesforce or comparable case management platforms for operational support tracking

Competencies

• Analytical Rigor — Logical, systematic approach to identifying and resolving out-of-balance positions, exception trends, and process breakdowns
• Operational Discipline — Ability to enforce consistent adherence to procedures, deadlines, and quality standards across a team
• Adaptability — Comfortable managing competing priorities and shifting volume patterns in a fast-paced production environment
• Ownership Mentality — Proactive identification of risks, gaps, and improvement opportunities without waiting for direction
• Collaborative Leadership — Builds productive relationships across departments and motivates team performance through clear expectations, coaching, and accountability

Preferred Technical Skills

• Experience with operational, workflow, governance, and analytics platforms such as:
  • ServiceNow
  • Salesforce
  • Nintex
  • Archer
  • Verafin
  • Alloscape
  • ACBS
  • Microsoft Suite
  • PowerBI

The duties listed above are the essential functions, or fundamental duties within the job classification.  The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.