ACH Program Manager

First American

. Lead the strategy, buildout, governance, and ongoing management of the ACH program .

Posted 10/14/2026full-timeSanta Ana • California • United StatesSeniorLead💰 $112,400 - $149,800 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in ACH program management, including governance, compliance, and risk assessment, while effectively leading teams and driving process automation. Proficient in developing policies, procedures, and training materials to support high-volume payment operations.

Highest-signal resume keywords

ACH Program ManagementNacha Operating Rules KnowledgeLeadership in Financial ServicesRisk Assessment and ComplianceProcess Automation and System Implementation

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

ACH Transactions ManagementPayments Risk AnalysisPolicy DevelopmentControl DocumentationVendor CoordinationBusiness Requirements GatheringUser Acceptance TestingFraud Control ImplementationOperational ReadinessData Analysis

Soft Skills

LeadershipAnalytical SkillsProblem-SolvingCommunication SkillsNegotiation Skills

Industry Keywords

Electronic PaymentsDeposit OperationsTreasury ManagementFinancial ServicesRegulatory ComplianceOperational Disruptions ManagementACH File FormatsStandard Entry Class CodesFraud Trends MonitoringBusiness Continuity Exercises

About the role

Key responsibilities & impact

Lead the strategy, buildout, governance, and ongoing management of the ACH program
Serve as accountable program owner and ACH subject-matter expert
Help scale the bank’s operating model to support approximately 1.2 million ACH transactions per month
Establish monitoring and reporting for ACH volumes, values, returns, unauthorized activity, exceptions, losses, processing quality, service levels, exposure usage, controls, incidents, and remediation
Identify manual processes and lead automation priorities
Partner with Technology and vendors on business requirements, system evaluation, configuration, interfaces, user acceptance testing, defect management, and production implementation
Coordinate ACH risk assessments, Rules compliance audits, regulatory examinations, internal audits, vendor reviews, business continuity exercises, and remediation
Monitor ACH rule changes, regulatory developments, fraud trends, and industry practices
Translate changes into policies, procedures, controls, system requirements, communications, and training
Lead, coach, and develop ACH personnel through training, cross-training, proficiency assessment, continuing education, and accreditation plans
Manage significant incidents and operational disruptions, including escalation, communications, root-cause analysis, corrective action, and lessons learned
Provide updates and recommendations to senior management and governance committees
Collaborate with Operations, Treasury Management, Product, Compliance, Finance, Technology, Legal, Audit, and third-party providers

Requirements

What you’ll need

7+ years of progressively responsible ACH, electronic payments, deposit operations, treasury management, payments risk, or related financial-services experience
At least three years in a leadership, program-management, or supervisory capacity
Experience owning or materially contributing to an ACH program, major ACH implementation, high-volume payment operation, or comparable enterprise change initiative
Deep working knowledge of the Nacha Operating Rules and ACH participant responsibilities
Knowledge of ODFI and RDFI operations, ACH file formats, Standard Entry Class Codes, settlement, returns, NOCs, reversals, Same Day ACH, exceptions, and record retention
Experience with ACH origination risk, Originator and Third-Party Sender due diligence, exposure management, limits, prefunding, return-rate monitoring, fraud controls, and periodic reviews
Experience developing policies, procedures, control documentation, training materials, management reporting, and audit or examination evidence
Experience supporting system implementation, process automation, business requirements, testing, change management, vendor coordination, and operational readiness
Strong leadership, project execution, analytical, facilitation, negotiation, problem-solving, and risk-based decision-making skills
Exceptional written and verbal communication skills
Bachelor’s degree in business, finance, accounting, risk management, information systems, operations, or related discipline, or equivalent relevant experience

Benefits

Comp & perks

Medical insurance
Dental insurance
Vision insurance
401k
PTO/paid sick leave
Employee stock purchase plan
Inclusive workplace culture
Equal opportunity employment