ACH Portfolio Manager

NBT Bank

. Oversee assigned ACH operations activities and perform periodic ACH Originator reviews .

Posted 10/8/2026full-timeNorwich • New York • United StatesMid-LevelSenior💰 $62,375 - $79,405 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in ACH Operations, including risk management, compliance with Nacha rules, and effective portfolio oversight. Proficient in analyzing transaction patterns and implementing risk mitigation strategies while maintaining strong communication and collaboration across departments.

Highest-signal resume keywords

ACH Operations ManagementNacha Rule ComplianceRisk Mitigation StrategiesData Analysis TechniquesAccredited ACH Professional (AAP)

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

ACH OperationsRisk AnalysisTransaction MonitoringPortfolio ManagementNacha Operating RulesTreasury ManagementRegulatory ComplianceCredit Risk AssessmentData ReportingFinancial Analysis

Soft Skills

Analytical SkillsProblem-SolvingCommunication SkillsOrganizational SkillsRelationship Management

Tools & Technologies

Microsoft ExcelReporting ToolsData Analysis Software

Certifications & Qualifications

Accredited ACH Professional (AAP)

Industry Keywords

ACHFinancial ServicesCommercial BankingRisk ManagementNacha

About the role

Key responsibilities & impact

Oversee assigned ACH operations activities and perform periodic ACH Originator reviews
Analyze customer activity, risk profiles, operational controls, transaction volumes, return activity, financial condition, and compliance with Bank policies and Nacha requirements
Manage and monitor ACH portfolio reporting, including risk metrics, exposure utilization, return rates, exception activity, portfolio concentrations, and emerging risk trends
Monitor unauthorized and administrative return rates, overall return performance, and Nacha threshold compliance
Investigate trends and recommend corrective actions
Monitor ACH Originator activity for unusual, suspicious, or high-risk transaction patterns and potential fraud indicators
Monitor ACH Originators for inactivity and analyze dormant relationships
Coordinate account maintenance, limit adjustments, and service deactivation when warranted
Oversee ACH exposure management, including credit exposure renewals, limit reviews, limit increase requests, and ongoing customer risk assessment
Identify, document, and escalate policy exceptions, Nacha rule violations, operational deficiencies, and emerging ACH risks
Partner with Treasury Management, Commercial and Business Banking, Credit, Operations, Compliance, and Risk Management
Provide ACH risk guidance and education to internal stakeholders
Maintain awareness of Nacha rule changes, regulatory expectations, and industry best practices
Assist with Nacha audits, regulatory examinations, internal audits, and independent reviews
Gather documentation, respond to inquiries, and support corrective action plans
Perform other duties as assigned
Communicate effectively with internal and/or external customers
Remain stationary 75% of the time or greater and move objects up to 10 lbs

Requirements

What you’ll need

Bachelor’s degree or equivalent combination of education and work experience
3+ years of experience in ACH operations, treasury management, commercial banking, risk management, or related financial services
Accredited ACH Professional (AAP) designation
Experience managing ACH Originator portfolios, exposure limits, and risk mitigation strategies
Experience applying Nacha Operating Rules and ACH network requirements in a banking or financial services environment
Experience with treasury management products and services
Experience working with FFIC and other regulatory guidance and ACH risk management best practices
Strong understanding of ACH origination processes, transaction flows, and associated operational and credit risks
Ability to interpret and apply Nacha Rules, regulatory guidance, and internal policies
Strong analytical, investigative, and problem-solving skills
Ability to identify trends, anomalies, and emerging risk through portfolio analysis and reporting
Strong written and verbal communication skills, including presenting risk-related information to various audiences
Strong organizational, planning, and project management skills
Ability to prioritize competing responsibilities and work independently in a fast-paced environment
Proficiency with Microsoft Excel, reporting tools, and data analysis techniques
Strong relationship management skills and ability to collaborate across business lines and support functions
Ability to make sound, risk-based decisions and exercise professional judgment
Must be authorized to work for any employer in the U.S.; employment visa sponsorship is unavailable

Benefits

Comp & perks

Generous paid time off: at least 22 days annually, prorated in the year of hire
Six weeks of paid parental leave at 100% of salary
Comprehensive medical coverage, including employer HSA contributions for eligible high-deductible health plan participants
Dental and vision coverage
Flexible spending accounts for healthcare and dependent care expenses
Employer-paid short-term and long-term disability coverage, with optional additional long-term coverage
Employer-paid basic life insurance, with optional supplemental coverage
Voluntary hospital, accident, and critical illness coverage
401(k) plan with employer matching
Optional Roth 401(k)
Pension plan
Adoption assistance
Tuition reimbursement
Employee Assistance Program (EAP)
Pet insurance
Various banking services benefits and financial planning assistance
Wellness initiatives
Flexible work arrangements
Volunteer service and charitable partnerships
Career development programs and tools
Performance-based incentives