Ach Operations Jobs (NOW HIRING)

Who We Are

We have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, "We Improve Lives." This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well-being of members.

At Black Hills Federal Credit Union (BHFCU), we’re committed to improving the lives of our members every day, and we look for people who share that passion. Don’t have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths.

General Purpose: The Payments Operations Manager is responsible for the operational management, compliance oversight, and continuous improvement of all payment services and card payment functions. This role oversees payment systems, debit and credit card programs, ACH operations, wire transfers, dispute resolution, fraud mitigation, and payment-related vendor relationships.

The Payments Operations Manager ensures secure, efficient, compliant, and member-focused payment experience while driving operational excellence, innovation, risk management, and revenue growth across all payment channels.

Essential Duties/Responsibilities:

• Lead and manage all payment operations and money movement services across the credit union.
• Develop and execute payment strategies aligned with organizational goals and member experience initiatives.
• Ensure accurate, timely, and compliant processing of all payment transactions.
• Oversee payment workflows, operational controls, service levels, and process optimization.
• Monitor payment trends, emerging technologies, and industry developments to recommend enhancements and innovations.
• Manage all Automated Clearing House (ACH) processing activities to include, ACH origination, ACH receipt processing, returns and notifications of change, same-day ACH, ACH fraud monitoring, and ACH exception processing.
• Maintain ACH exposure limits and risk controls.
• Oversee domestic and international wire transfer operations.
• Manage wire verification procedures and dual-control processes.
• Monitor wire activity for suspicious transactions and operational risk.
• Manage all debit card program operations including, card issuance, instant issue programs, card maintenance, PIN management, card fulfillment, card controls, and card reissue programs.
• Oversee debit card transaction processing and settlement.
• Monitor debit card fraud trends and mitigation strategies to identify process improvement opportunities.
• Manage credit and debit card disputes, fraud claims, and chargeback processes.
• Manage consumer and business credit card operational functions including card service, balance transfer programs, transaction monitoring, delinquency coordination, card maintenance, and portfolio support.
• Support credit card product development and promotional campaigns.
• Support digital payment solutions including digital wallets, P2P payments, real-time payments, mobile payment services, account-to-account transfers, and external transfer platforms.
• Support integration and optimization of Apple Pay, Google Pay, Samsung Wallet, and Zelle.
• Oversee ATM and ITM transaction settlement and balancing.
• Manage network relationships related to ATM processing, shared branching settlement, and card network connectivity.
• Monitor ATM cash exceptions, disputes, and transaction reconciliation.
• Ensure strong internal controls, dual-control procedures, and segregation of duties.
• Partner with compliance and security teams on risk assessments and audits.
• Manage relationships with payment processors, card vendors, fraud partners, and network providers.
• Participate in contract negotiations, service reviews, and vendor performance management.
• Ensure vendors meet service-level agreements and compliance expectations.
• Ensure compliance with all applicable regulations and card/payment network requirements including BSA/AML, OFAC, fraud protection protocols, PCI-DSS, Regulation E, UDAAP, and Nacha operating rules.
• Coordinate internal and external audits related to payments and card services.
• Maintain documented procedures, controls, and operational policies.
• Lead, coach, and develop payment operations staff.
• Establish department goals, performance standards, and service expectations.
• Promote a culture of accountability, collaboration, innovation, and member service excellence.
• Conduct performance evaluations and support employee development planning.

Other Duties/Responsibilities:

• Responsible for developing and maintaining department manuals.
• Responsible for the development of department budget consistent with the strategic plan and overall budget.
• Prepare standardized reports as directed by VP Payments.
• Responsible for ensuring an adequate supply of all operating materials used by assigned employees is available.
• Perform other duties as may be assigned by the VP Payments or Chief Experience Officer.

Job Knowledge:

• Advanced knowledge of the fundamentals of the financial industry, including but not limited to, the operation and delivery of financial services.
• Advanced knowledge of laws and regulations [e.g. PCI-DSS, Regulation E, BSA/AML, OFAC, and Nacha rules] affecting credit union operations, products, and services.
• Advanced knowledge about the organization's policies/procedures and credit union's service philosophy.
• Must be able to read and interpret financial reports received from various sources.
• Advanced knowledge of management techniques to enhance staff productivity and to maintain positive staff morale.
• Advanced knowledge of the credit union's in-house computer system and internet.
• Advanced knowledge of ITMs / ATMs, ACH operations, debit and credit card processing, payment networks, wire operations, digital payments, fraud prevention, and payment regulations.

Job Qualifications (Skills):

• BHFCU is committed to working with its employees to reasonably accommodate them with the physical aspects of the position.  The following list outlines the physical considerations that are normally encountered in this job.
• Vision: A sighted person to review direct reports' work.
• Speech/Hearing: Ability to communicate verbally and in writing with staff, members, and vendors.
• Manual Dexterity: Ability to perform necessary computer related input.
• Physical Mobility: Limited mobility required.  Requires the ability to work flexible hours.

Job Qualifications (Ability):

• Ability to understand and follow complex written and oral instructions and disseminate that knowledge in a clear and understandable format to others.
• The ability to effectively communicate with all levels of the organization and to outside parties even when under extreme pressure.
• The ability to communicate new ideas, products, and procedures and gain buy-in from stakeholders.
• Ability to prepare and maintain confidential records and reports.
• Ability to produce a high volume of work in a timely manner that is accurate and of high quality, prioritize work, and handle multiple tasks.
• Ability to analyze out of balance situations, statistics and financial data, gather, assemble, correlate, and interpret facts and develop solutions.
• Ability to work within established guidelines with latitude to make decisions and take initiative to resolve problems or unique circumstances.
• Ability to use a rational and organized approach to completing tasks.
• Ability to analyze and recommend improvements to current processes, products, procedures, and services.

Job Qualifications (Education/Experience):

Education:

• Job prefers a bachelor’s degree in business, Finance, Accounting, Operations, or related field preferred.
• Equivalent combination of education and experience may be considered.

Experience:

• Five to eight years experience in progressive experience in payments, card services, electronic banking, or financial operations.
• Minimum 3 years of leadership or supervisory experience preferred.
• Experience working with card processors Velera (PSCU/COOP) or Fiserv (DNA) strongly preferred.

Preferred Certifications:

• Accredited ACH Professional (AAP)
• Certified Payments Professional (CPP)
• Certified Anti-Money Laundering Specialist (CAMS)
• Payments Risk Professional Certification

Working Conditions:

Material and Equipment Involved

• Personal Computer
• Presentation Aids
• Signature Pads
• WebEx
• Tablet and Mobile Devices
• PA Sound System
• Video Recording Devices
• Scanners
• Projectors and Screens
• Microsoft Suite
• Photocopy Machine
• Various Software Applications
• Salesforce

Work Environment/Physical Activities

Occasional travel to one of BHFCU’s branch locations, attendance at community events, vendor meetings, and conferences may be required.

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work extended hours whenever required or requested by management. Must by capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.

Mental and/or Emotional Requirements

Must be able to perform job functions with supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on confidential matters.

Notice:  This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment.  Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods.  This position is also subject to all the personnel policies of Black Hills Federal Credit Union.  Changes may be made to this job description at any time by the President.  Black Hills Federal Credit Union is an equal opportunity employer.

Black Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.