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xAI

Dispute Analyst - X Payments

Bastrop, TX

You'll assess claims, manage provisional credits, and ensure compliance with Regulation E, NACHA, and network rules. This fast-paced role requires strong analytical skills and collaboration with ...

Omni Inclusive

Business Anaylst

Lake Mary, FL

Business Analyst with Experience in FinTech, Working with Payments (Swift - MT, MX messages, ACH - NACHA formats), Securities messages. Technical Knowledge (Must) - JIRA, Confluence, Strong SQL ...

Orrstown Bank

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Business Services Implementation Specialist

Harrisburg, PA · On-site

$18.78 - $24/hr

Comfort navigating admin portals, tokens/MFA, template setups, CSV/NACHA files, and browser/network troubleshooting. * Excellent verbal and written communication and interpersonal relations skills ...

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Product Owner

Edmonton, KY · On-site

Partner with Compliance/Security on PCI/SOC/NACHA impacts and audit readiness. Requirements What You Will Need to Succeed * Advanced knowledge of payment methods and flows: card-not-present, ACH/EFT ...

JC CORPORATIONS

Head of Engineering

Austin, TX · On-site

... NACHA, PCI DSS, GLBA, BSA/AML, and SOC 2 Type II AI-native you actively use AI tools daily, not occasionally Strong Plus Twenty CRM or open-source CRM experience Offshore team management experience ...

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How much do nacha jobs pay per year?

As of Jun 3, 2026, the average yearly pay for nacha in the United States is $347,715.00, according to ZipRecruiter salary data. Most workers in this role earn between $320,500.00 and $400,000.00 per year, depending on experience, location, and employer.

What is a Nacha job?

A Nacha job typically refers to a role involving the administration, compliance, or processing of electronic payments under Nacha (National Automated Clearing House Association) guidelines. Nacha governs the ACH (Automated Clearing House) network, which facilitates direct deposits, bill payments, and other electronic transactions in the U.S. Professionals in this field may work in banking, finance, or payment processing, ensuring adherence to Nacha rules and regulations.

What are the key skills and qualifications needed to thrive in the Nacha position, and why are they important?

To excel in a Nacha (National Automated Clearing House Association) compliance role, deep expertise in electronic payments processing, ACH network regulations, and risk management is essential, typically supported by experience in banking or financial services. Familiarity with Nacha Operating Rules, compliance platforms, and certifications such as the Accredited ACH Professional (AAP) designation is highly beneficial. Attention to detail, analytical thinking, and excellent communication are standout soft skills for ensuring regulatory compliance and cross-functional collaboration. These competencies are vital for protecting organizations from compliance risks and maintaining the integrity of payment systems.

What are the typical career growth opportunities for professionals working in Nacha compliance roles?

Working in a Nacha compliance role can offer a clear path for advancement within the payments and financial compliance sector. Many professionals start as compliance analysts or specialists and, with experience, move into senior compliance management, risk management, or broader regulatory affairs roles. Some also pursue advanced certifications, such as the Accredited ACH Professional (AAP) or Certified Treasury Professional (CTP), to expand their qualifications and leadership potential. The evolving nature of payments technology ensures a dynamic work environment with the opportunity to develop expertise in emerging areas, such as faster payments and fraud prevention.
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What cities are hiring for Nacha jobs? Cities with the most Nacha job openings:
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Nacha jobs near you
Infographic showing various Nacha job openings in the United States as of May 2026, with employment types broken down into 98% Full Time, and 2% Contract. Highlights an 81% Physical, 9% Hybrid, and 10% Remote job distribution, with an average salary of $347,715 per year, or $167.2 per hour.

Dispute Analyst - X Payments

xAI

Bastrop, TX

Full-time

Posted 23 hours ago

Job description

ABOUT xAI

xAI's mission is to create AI systems that can accurately understand the universe and aid humanity in its pursuit of knowledge. Our team is small, highly motivated, and focused on engineering excellence. This organization is for individuals who appreciate challenging themselves and thrive on curiosity. We operate with a flat organizational structure. All employees are expected to be hands-on and to contribute directly to the company's mission. Leadership is given to those who show initiative and consistently deliver excellence. Work ethic and strong prioritization skills are important. All employees are expected to have strong communication skills. They should be able to concisely and accurately share knowledge with their teammates.

ABOUT THE ROLE:

X Payments seeks a Dispute Analyst for our Risk Operations team to investigate and resolve customer disputes across P2P, debit/credit card, and ACH channels. You'll assess claims, manage provisional credits, and ensure compliance with Regulation E, NACHA, and network rules. This fast-paced role requires strong analytical skills and collaboration with Fraud, Compliance, and Customer Support teams to deliver timely, fair resolutions while minimizing business risk.

RESPONSIBILITIES:
  • Investigate incoming customer disputes across P2P, debit/credit card, and ACH transactions, ensuring compliance with internal policies and regulatory standards.
  • Validate chargeback rights and ensure required documentation is complete before initiating a dispute with networks or processors.
  • Manage and track the issuance of provisional credits, ensuring adherence to Regulation E timeframes and NACHA rules for ACH claims.
  • Maintain accurate and detailed case documentation within internal systems for audit readiness.
  • Collaborate with internal teams (Fraud, Compliance,) to gather information, resolve gaps, and escalate high-risk or complex cases.
  • Respond to representments, pre-arbitration, and final decisions from processors or networks; escalate unresolved or disputable cases as needed.
  • Monitor dispute aging and ensure deadlines are met for all required actions, including filings, evidence submissions, and customer communications.
  • Communicate resolution outcomes to customers with professionalism and clarity, adjusting for tone and regulatory requirements.
  • Identify dispute trends or emerging issues and provide insights to leadership for process or policy improvements.
  • Support audits, reporting, and quality assurance reviews by maintaining defensible case notes and outcome records.
BASIC QUALIFICATIONS:
  • 3+ years of experience handling disputes involving debit or credit card transactions.
  • Strong working knowledge of Regulation E (Electronic Fund Transfers Act), NACHA rules, and card network chargeback guidelines (Visa, Mastercard).
  • Experience handling consumer disputes end to end across multiple payment types (P2P, debit/credit card, and ACH).
  • Excellent written communication skills with the ability to draft clear, accurate, and compliant case notes and customer responses.
  • Detail-oriented with strong organizational skills and the ability to meet strict deadlines in a fast-paced environment.
  • Familiarity with dispute systems, case management platforms, and CRM tools.
  • Analytical and investigative mindset with sound judgment and decision-making abilities.
  • Bachelor's degree in Finance, Business, Criminal Justice, or a related field preferred; relevant certifications (e.g., ETA CPP, CFE) a plus.

ITAR REQUIREMENTS:

  • To conform to U.S. Government export regulations, applicant must be a (i) U.S. citizen or national, (ii) U.S. lawful, permanent resident (aka green card holder), (iii) Refugee under 8 U.S.C. § 1157, or (iv) Asylee under 8 U.S.C. § 1158, or be eligible to obtain the required authorizations from the U.S. Department of State. Learn more about the ITAR here.

xAI is an equal opportunity employer. For details on data processing, view our Recruitment Privacy Notice.