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UMB Bank

EFT Risk Specialist

UMB Bank

. Monitor exposure limits/overdrafts for ACH and wire payments .

Posted 11/5/2026full-timeRemote • United StatesJunior💰 $51,291 - $75,460 per yearWebsite

Core Competencies

Role fit
Core Competencies

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Demonstrates expertise in monitoring and managing ACH and wire payments, ensuring compliance and risk management within Bank Operations. Proficient in collaborating with internal partners and clients to facilitate fund transfers and account approvals.

Highest-signal resume keywords
ACH Payment SystemsWire Transfer ProcessingRisk ManagementBank Operations ExperienceACH Accredited Professional (AAP) Certification

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills
Electronic Funds Transfers (EFTs)ACH ProcessingWire Transfer ProcessingRisk AssessmentCompliance Monitoring
Soft Skills
CollaborationProblem-SolvingCommunication
Certifications & Qualifications
ACH Accredited Professional (AAP) CertificationAccredited Payments Risk Professional (APRP) Certification
Industry Keywords
Bank OperationsCash Management OperationsSecurities ProcessingPortfolio OperationsInternal Wire Authority

About the role

Key responsibilities & impact
  • Monitor exposure limits/overdrafts for ACH and wire payments
  • Act as gatekeeper for Internal Wire Authority requests
  • Process and review Electronic Funds Transfers (EFTs), including ACH and domestic and international wires
  • Limit risk for UMB and ensure accounts and funds are compliant
  • Support risk management with electronic funds
  • Work on multiple initiatives assigned by Bank Operations leadership
  • Work closely with internal partners to seek approval for proper funding for Commercial and Institutional accounts
  • Determine risk with ACH and wire transfers to protect customers and UMB
  • Partner with clients and internal partners for account approvals and fund transfers
  • Develop solutions within the team to conduct risk reviews

Requirements

What you’ll need
  • At least 1 year of experience in Bank Operations or Cash Management Operations
  • At least 1 year of experience with one or more payment systems for ACH and/or Wire Transfer, Securities Processing or Portfolio Operations
  • ACH Accredited Professional (AAP) Certification is a bonus
  • Accredited Payments Risk Professional (APRP) Certification is a bonus
  • Legal authority to work in the United States
  • Work Visa sponsorship is not available

Benefits

Comp & perks
  • Paid Time Off
  • 401(k) matching program
  • Annual incentive pay
  • Paid holidays
  • Medical, dental, vision, and other insurance coverage
  • Health savings accounts
  • Flexible spending accounts
  • Dependent care accounts
  • Adoption assistance
  • Employee assistance program
  • Fitness reimbursement
  • Tuition reimbursement
  • Associate wellbeing program
  • Associate emergency fund
  • Various associate banking benefits