Principal Platform Engineer

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The ACH PEP+ Business Analyst is responsible for providing deep functional expertise across ACH payment processing, settlement, and Treasury Management implementations while partnering with technology, operations, and business stakeholders to ensure stable, compliant, and high-quality application services. This role bridges business requirements with technology delivery, ensuring ACH platforms meet regulatory, operational, and customer expectations. The analyst plays a critical role in incident, problem, and release management and acts as a trusted subject matter expert for ACH processing and operational workflows.

• Serve as a subject matter expert in ACH and BAI business processes, including origination, receipt, settlement, returns, exceptions, and reconciliation.
• Provide foundational expertise in Treasury Management implementations and ACH operational functions to support new client onboarding and platform enhancements.
• Ensure high-quality services are delivered in alignment with agreed service level agreements (SLAs), consistently meeting or exceeding business and customer expectations.
• Assist in the analysis, design, and development of computer application systems supporting ACH, BAI, and Treasury services.
• Participate actively in release planning, system enhancements, and production deployments, ensuring minimal operational risk.
• Collaborate with technology and operations teams to support ongoing optimization of ACH and BAI platforms and processes.

• Incident Management: Take ownership of the incident management process for ACH applications, acting as the final point of functional and technical escalation for complex production issues. Diagnose root causes using structured investigative methods and coordinate resolution efforts.
• Problem Management: Manage the end-to-end lifecycle of problems, from identification through root cause analysis to remediation and closure. Ensure corrective actions address both technical and business process gaps.
• Root Cause Analysis: Lead and participate in root cause analysis activities following major incidents or recurring issues, successfully identifying underlying causes and validating permanent solutions.
• Service Restoration: Minimize service disruption by supporting rapid service restoration efforts and ensuring recovery aligns with defined SLAs and operational standards.
• Trend and Risk Identification: Proactively analyze incident and defect data to identify trends, known error conditions, and systemic risks. Work cross-functionally to implement long-term preventative solutions.
• Application Support and Advisory: Provide specialist professional advice and functional support related to ACH, BAI, and Treasury Management applications, serving as a trusted advisor to business and technology partners.
• Training and Knowledge Transfer: Support the training, onboarding, and induction of new application support staff, ensuring consistent knowledge of ACH and BAI processes, platforms, and support procedures.
• Strategic Planning: Contribute to strategic planning efforts for application upgrades, regulatory-driven changes, new releases, and migrations to new ACH, BAI, or payments platforms at both local and national levels.
• Documentation and Standards: Develop, maintain, and enforce application support standards, procedures, process flows, and operational documentation to ensure consistency, audit readiness, and operational excellence.
• Business Collaboration: Work closely with business users and support staff to resolve issues involving custom or configurable ACH and BAI applications, ensuring solutions align with business needs and regulatory requirements.

This position does not have direct people management responsibilities but provides functional leadership and guidance to application support analysts, business users, and cross-functional technology teams during incidents, projects, and enhancement efforts.

• Education: Bachelor’s degree in business, Finance, Information Systems, Computer Science, or related discipline.
• Experience: Minimum of 5 to 8 years of experience in financial services technology or operations, with demonstrated focus on ACH processing, payments, or Treasury Management systems.
• ACH and Payments Expertise: Strong understanding of ACH rules, settlement processes, exception handling, and end-to-end payment lifecycles. Experience with large-scale ACH platforms or PEP+ environments is highly preferred.
• Technical and Analytical Skills: Ability to analyze complex system issues, map business processes, and translate requirements into functional and technical specifications. Familiarity with incident and problem management frameworks is required.
• Operational Excellence: Experience supporting production environments, managing SLAs, and driving continuous improvement initiatives in regulated environments.
• Communication and Collaboration: Excellent verbal and written communication skills with the ability to work effectively with business stakeholders, engineers, vendors, and operations teams.
• Customer and Risk Focus: Strong attention to detail, risk awareness, and customer impact, with a commitment to service quality, compliance, and operational stability.

At Fifth Third, we understand the importance of recognizing our employees for the role they play in improving the lives of our customers, communities and each other. Our Total Rewards include comprehensive benefits and differentiated compensation offerings to give each employee the opportunity to be their best every day.

The base salary for this position is reflective of the range of salary levels for all roles within this pay grade across the U.S. Individual salaries within this range will vary based on factors such as role, relevant skillset, relevant experience, education and geographic location. In addition to the base salary, this role is eligible to participate in an incentive compensation plan, with any such payment based upon company, line of business and/or individual performance.

Our extensive benefits programs are designed to support the individual needs of our employees and their families, encompassing physical, financial, emotional and social well-being. You can learn more about those programs on our 53.com Careers page at: https://www.53.com/content/fifth-third/en/careers/benefits.html or by consulting with your talent acquisition partner. 

Attention search firms and staffing agencies: do not submit unsolicited resumes for this posting.  Fifth Third does not accept resumes from any agency that does not have an active agreement with Fifth Third.  Any unsolicited resumes – no matter how they are submitted – will be considered the property of Fifth Third and Fifth Third will not be responsible for any associated fee.

Fifth Third Bank, National Association is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.