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Nacha Jobs (NOW HIRING)

FIRST SERVICE CREDIT UNION

Fraud Manager

Houston, TX · On-site

Ensure 100% regulatory compliance with Regulation E, NACHA Operating Rules, UCC, FFIEC guidance, and internal policies while minimizing financial losses and delivering exceptional member experience.

Charlesbridge MHC

ACH Payments Specialist II

Dedham, MA · On-site

$28.31 - $36.51/hr

This role requires strong knowledge of Nacha Operating Rules, banking regulations, OFAC requirements, internal procedures, and risk-based controls, with the ability to meet processing deadlines ...

Sunwest Bank

ACH Specialist

Meridian, ID · On-site

This role ensures Ach transactions are processed in compliance with Bank policies, procedures, regulatory requirements, and Nacha Operating Rules while supporting risk management, customer service ...

Finastra

Expert ACH Support Engineer

Atlanta, GA · Hybrid

NACHA file creation, validation, settlement, returns, and exceptions * FGPP payment processing, message flows, routing, and operational controls * Understand the operational and compliance impact of ...

Finastra

Lead Product Manager

Atlanta, GA · On-site

Serve as the subject matter expert for ACH processing, payment lifecycle management, NACHA requirements, returns, exceptions, fraud controls, and operational workflows. * Lead product initiatives ...

Sunwest Bank

ACH Specialist

Meridian, ID · On-site

This role ensures Ach transactions are processed in compliance with Bank policies, procedures, regulatory requirements, and Nacha Operating Rules while supporting risk management, customer service ...

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$83.5K

$347.7K

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How much do nacha jobs pay per year?

As of Sep 4, 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?

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 a Nacha position?

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.

How do I become Nacha certified?

To become Nacha certified, individuals typically complete a training program approved by Nacha and pass a certification exam such as the ACH Professional Certification (ACHPC). Maintaining certification requires ongoing education and adherence to Nacha's rules and standards for electronic payments.

What cities are hiring for Nacha jobs?

Cities with the most Nacha job openings:

What states have the most Nacha jobs?

States with the most job openings for Nacha jobs include:

Nacha jobs near you
Infographic showing various Nacha job openings in the United States as of August 2026, with employment types broken down into 92% Full Time, 1% Part Time, 1% Temporary, and 6% Contract. Highlights an 76% Physical, 10% Hybrid, and 14% Remote job distribution, with an average salary of $347,715 per year, or $167.2 per hour.

Senior Payment Analyst - ACH Processing in Troy, MI 48098 (Onsite & Full time permanent)

Inficare Technologies

Troy, MI • On-site

Full-time

This job post has expired 2 days ago. Applications are no longer accepted.

Job description

Job description:
Job title: Sr. Payment Analyst - ACH Processing
Duration: Full Time/ Permanent
Location: Troy, MI 48098 (Onsite)
Skills and Qualification:
Candidate should have minimum 1 to 5 Years of work experience in Payment Processing.
Good understanding NACHA, Fedwire/CHIPS/SWIFT and regulation related to ACH.
Strong knowledge of ACH processing rules and Dispute Handling
Expertise payment platforms such as ACH Plus, ACHPS, or equivalent banking portals.
Proficiency in bank account validation, exception handling, reconciliation, and settlement processes.
Strong analytical and problem-solving skills for resolving payment failures, variances, and investigations.
Understanding fraud control mechanisms, OFAC/AML compliance, and risk-mitigation procedures.
Excellent attention to detail, accuracy, and adherence to internal controls and dual authorization workflows.
Strong communication skills for interacting with banks, vendors, auditors, and internal stakeholders.
Ability to operate in high-volume, deadline-driven environments while maintaining accuracy.
Key Deliverables:
Process, verify, and balance high-volume ACH transactions including credits, and debits, returns, and notifications of change (NOCs).
Research discrepancies to ensure accuracy and prevent fraud or operational risk; and report issues of concern or matters of potential risk to management.
Maintain daily logs and documentation for transaction processing and reporting
Monitor and resolve rejects, exceptions, and outstanding items within set timelines
Participate in end-of-day balancing and reconciliation procedures.
Assist with resolution of operational issues and inquiries.
Manage beneficiary/payee verification, bank detail validation (routing/IBAN/BIC), and adherence to dual control workflows.
Monitor and process returns, rejects, and exceptions, including ACH return codes (R01-R85), and investigations.
Conduct daily reconciliations of ACH batches resolving breaks with thorough root-cause analysis.
Maintain cut off time adherence, ensuring timely release of ACH runs aligned with banking schedules and value dates.
Generate and maintain daily/weekly/monthly reports including settlement summaries, exception logs, and operational dashboards.
Ensure compliance with NACHA, Fedwire/CHIPS/SWIFT standards, and internal audit requirements through robust documentation, controls, and process governance.
Develop and update SOPs, process documentation, and audit artifacts, supporting continuous improvement, internal controls testing, and operational efficiency initiatives.
Technical / Non-Technical Skills:
Excellent MS Office skills - MS Excel, Power Point, Excel Macros and E Mail Drafting
Good Typing Speed of 28 WPM with >=95% accuracy
Excellent Communication skills - to Review Email, to attend Client Calls, Onshore Training etc
Behavioral Skills:
Working Hours - should be flexible to do Over Time duty if required.
Punctual and adherence to attendance and Leaves
To report to Team Lead/Manager and follow the Instructions and the HR Policies as per Company
Qualifications:
Education level required: High School / High School Equivalency (GED, HiSET, TASC) / Foreign Equivalent
Minimum experience required: 3+ years in ACH Operations within a financial institution or payments processing environment
Experience with ACH processing systems
Strong knowledge of NACHA operating rules, Regulation E, and the ACH network.
In-depth knowledge of check clearing processes, Check 21, Regulation CC, and item processing systems
Expected Competencies:
Interpersonal Effectiveness: Candidate should be a team player and demonstrate required aptitude and attitude towards work and the Team.
Service Orientation: Candidate should be Customer Centric and committed to delivering the best to Customers and the Business.

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