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Metropolitan Commercial Bank ("MCB" or the "Bank") is a New York City-based, full-service commercial bank providing tailored banking solutions to businesses, institutions, and individuals. Founded in 1999, MCB operates banking centers in Manhattan and Boro Park, Brooklyn, within New York City, as well as in Great Neck on Long Island, New York, and Lakewood, New Jersey. The Bank recently expanded to Miami, Florida with their newest Brickell banking center.

Metropolitan Commercial Bank offers a comprehensive suite of commercial, business, and personal banking products and services to small businesses, middle-market and corporate enterprises, private and public institutions, municipalities, and local government entities.

The Bank has earned national recognition for its financial performance, innovation, and strategic growth. The Bank was named one of Newsweek's Best Regional Banks in 2024 and 2025. Additionally, MCB recently received Editor's Choice recognition at the Banking Tech Awards USA for Digital Onboarding & Omnichannel Banking and in 2026, the Bank earned Great Place To Work certification and received the Web Award Standard of Excellence for MCBankNY.com.

We are a client-focused organization that values technological innovation and excellence. A strong technical mindset, AI fluency, and adaptive skills are essential for our employees to effectively contribute to our mission and drive our success. We foster human-AI teaming and strong governance to ensure technology is used responsibly and in alignment with Bank policies and procedures. For more information about the Bank, please visit the Bank's website at MCBankNY.com.

Position summary:

The ACH Electronic Payment Associate is responsible for processing, monitoring, and reconciling Automated Clearing House (ACH) transactions to ensure accurate and timely payment processing. This role supports commercial banking clients by handling ACH file transmission, researching transaction discrepancies, and ensuring compliance with NACHA operating rules and bank policies. The ideal candidate has strong diligence, excellent critical thinking skills, and a solid understanding of electronic payment systems. This role will report into the ACH Operations Manager.

Standard 4-day in-office requirement, 1 day remote (of your choosing)

This role requires availability for weekly rotation 9am - 5pm, and 10am - 6pm.

Responsibilities 

• Monitor ACH file transmissions and resolve exceptions or errors in a timely manner.
• Assist customers and internal teams with ACH-related inquiries, including research and resolving transaction issues.
• Complete ACH Risk Assessments
• Review and clear OFAC hits in ACH systems
• Reconcile ACH transactions including Notice of Reclamation and FRB debits
• Process for ACH returns and exception handling
• Ensure compliance with NACHA rules, banking regulations, and internal policies related to ACH processing.
• Review & process Proof of Authorization (POA) and Trace Requests
• Maintain accurate records and documentation related to ACH processing and compliance
• Participate in system upgrades, testing and process improvements to enhance ACH Operations
• Assist with processing wire transfers

Required knowledge, Skills & Experience:

• 3+ years banking experience, in ACH processing, electronic payments or banking operations
• College degree or equivalent work experience in the field of banking or finance
• Strong knowledge of NACHA rules, federal banking regulation and payment processing procedures
• Ability or research and resolve issues related to ACH
• Ability to operate banking software and other general office equipment
• Able to work with minimal direction, demonstrate initiative-taking problem-solving ability, deal with time pressures and changing priorities
• Ability to work in a challenging environment and manage multiple tasks effectively
• Driven by a passion and curiosity to continuously learn how various technological systems, including AI, can enhance the work that you do

Potential Salary: $70k - $75k annually

This salary range reflects base wages and does not include benefits, bonus, or incentive pay. Salary bands are purposefully wide ranging to encompass the different factors considered in determining where a candidate falls in the range, including but not limited to, seniority, performance, experience, education, and any other legitimate, non-discriminatory factor permitted by law. Final offer amounts are determined by multiple factors including candidate experience and expertise and may vary from the amounts listed here.

Metropolitan Commercial Bank provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

This applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation, and training.

MCB maintains a drug-free workplace.