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Ach Operations Jobs in Missouri (NOW HIRING)

New Era Bank

AVP Operations Fredericktown

Fredericktown, MO · On-site

$90 - $120/hr

Supervise and actively assist with daily back-office functions, including ACH processing, domestic ... Manage a small, cross-trained operations team. Provide direct backup for critical processing tasks ...

First State Community Bank

MO · On-site

Act as a subject matter expert on ACH and wire products and procedures.(Product Knowledge, Content & Knowledge Management) 5.Operational Excellence * Document events, issues, and resolutions in the ...

HOMEBANK

Branch Operations Manager

Palmyra, MO · On-site

Cash Management - ACH Origination * Cash Management - Positive Pay * Cash Management - Wire ... for operations staff for business banking products * PTO Requests will be communicated to both ...

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Ach Operations information

What is ACH operations?

ACH Operations refer to the management and processing of Automated Clearing House (ACH) transactions, which are electronic payments and money transfers between banks in the United States. Professionals in ACH Operations handle tasks such as initiating, monitoring, and reconciling ACH files, ensuring compliance with banking regulations, and resolving payment exceptions or errors. Their work is essential for supporting payroll deposits, bill payments, and other direct deposit services. ACH Operations staff must be detail-oriented and knowledgeable about NACHA rules—the governing body for ACH transactions.

What are the key skills and qualifications needed to thrive as an ACH operations specialist?

To excel as an ACH Operations Specialist, you need a solid understanding of banking procedures, payment processing, and compliance regulations, often supported by experience in financial operations or a related degree. Familiarity with Automated Clearing House (ACH) systems, payment processing software, and regulatory platforms like NACHA rules is essential. Attention to detail, analytical thinking, and strong organizational skills help ensure accurate transaction processing and issue resolution. These competencies are crucial for maintaining transaction integrity, regulatory compliance, and efficient financial operations.

What are some common challenges faced by ACH operations professionals, and how can they be addressed?

ACH Operations professionals often deal with high transaction volumes, strict processing deadlines, and evolving compliance requirements. Managing exceptions, such as returned or rejected transactions, can also be complex and time-sensitive. Staying updated on regulatory changes and leveraging automation tools helps minimize errors and improve efficiency. Effective communication with internal teams and external partners is crucial for resolving issues promptly and ensuring smooth payment processing.

What is the difference between Ach Operations vs Accounts Payable Specialist?

AspectAch OperationsAccounts Payable Specialist
Primary RoleManaging ACH transactions, payment processing, and electronic fund transfersProcessing vendor invoices, managing payments, and reconciling accounts payable
Required CredentialsBasic accounting knowledge, familiarity with ACH systemsAccounting or finance certification often preferred
Work EnvironmentFinance or accounting department, often in banking or corporate financeFinance or accounting department, typically in corporate settings
Industry UsageBanking, financial services, corporate financeCorporate finance, accounting departments across industries

Ach Operations and Accounts Payable Specialist roles both involve financial transactions, but Ach Operations focuses on electronic ACH payments and fund transfers, while Accounts Payable Specialists handle invoice processing and vendor payments. The roles often overlap in finance departments, but Ach Operations emphasizes electronic payment systems, making it essential for roles involving ACH transactions.

What are the most commonly searched types of Ach Operations jobs in Missouri?

The most popular types of Ach Operations jobs in Missouri are:

What are popular job titles related to Ach Operations jobs in Missouri?

For Ach Operations jobs in Missouri, the most frequently searched job titles are:

What job categories do people searching Ach Operations jobs in Missouri look for?

The top searched job categories for Ach Operations jobs in Missouri are:

Ach Operations jobs near you
Infographic showing various Ach Operations job openings in Missouri as of August 2026, with employment types broken down into 1% As Needed, 81% Full Time, 13% Part Time, 1% Temporary, 3% Contract, and 1% Nights. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution.

Sr. Operations Associate (ACH Operations)

UMB Financial Corporation

Kansas City, MO • On-site

$44K - $65K/yr

Full-time

Posted 9 days ago

Job description

The ACH Operations team is responsible for processing windows that collect and distribute ACH transactions to and from the ACH network. The team also handles exception transactions, as well as settlement entries and GL balancing. These functions are critical to the accurate and efficient processing of transactions on a crucial rail of the payment ecosystem.
As the Sr. Operations Associate, you will serve as the middleman for central clearinghouse activities relating to ACH transactions from receiving the files, sorting and routing the payment data, and settling the funds. This is a subset of the overall responsibilities which will include multiple initiatives assigned by Bank Operations leadership.
This role is hybrid (Mon through Thu on-site / Fri remote) at the UMB Technology & Operations Center located in downtown Kansas City, MO. The work schedule is 9:30 AM -6:00 PM. However, for approximately 6 weeks throughout the year, this position will be the primary backup remotely for the evening shift, which has hours of approximately 12:30 PM- 9:00 PM.
How you will spend your time:
  • Monitor and record the receipt of ACH transactions against a prescribed ACH delivery schedule.
  • Ensure accurate and timely processing of all ACH files.
  • Review system reports for file processing to resolve and record processing issues.
  • Perform exception processing according to instructions received.
  • Respond to customer calls regarding processing concerns.
  • Review and reconcile general ledger accounts as assigned.

We are excited to talk if you have:
  • At least 4 years of experience in banking or financial processing.
  • In-depth experience in managing ACH transactions.
  • Demonstrated attention to detail, organization, and time management skills.
  • Ability to communicate clearly with coworkers, managers, business partners, and clients.
  • Effectively worked in a team environment.
  • Utilize your technical aptitude allowing for learning of company systems, platforms, and products quickly.
  • Strong customer services skills.
  • Worked autonomously, escalating issues, problems etc. as appropriate.
  • Effectively recognized errors, issues, special requests, or inconsistencies in daily operations to solve or escalate to appropriate associate or manager.

Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position.
This position was posted on 08/20/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.
Compensation Range:
$44,685 - $65,736
The posted compensation range on this listing represents UMB's good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. Please see the description of benefits included with this job posting for additional information.
UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.
Are you ready to be part of something more?
You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.
UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to talentacquisition@umb.com to let us know the nature of your request.
If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.
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