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Nacha Jobs (NOW HIRING)

Carter Bank and Trust

Payments Manager

Martinsville, VA · On-site

$59K - $104K/yr

Oversee ACH dispute processing and compliance to Regulation E and NACHA rules * Oversee Reg GG compliance (ACH, Debit Cards, Wires, Deposits) JOB REQUIREMENTS : * High school diploma or equivalent ...

Heritage Family Credit Union

ACH Specialist

Rutland, VT · On-site

$25 - $30/hr

An ACH professional with strong knowledge of NACHA rules and electronic payment processing * A highly organized, analytical thinker who thrives in a fast-paced, deadline-driven environment * A ...

metrocu

Deposit Operations Manager

Chelsea, MA

NACHA AAP certification (Accredited ACH Professional) and other related industry certifications or regulatory compliance experience are considered a strong plus, demonstrating advanced expertise in ...

CATALIS

Product Owner

Edmonton, KY · On-site

Coordinate with Compliance/Security on PCI/SOC/NACHA-related items and audit prep, escalating as needed. Requirements What You Will Need to Succeed * Working knowledge of payment methods and flows ...

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$347.7K

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How much do nacha jobs pay per year?

As of Jul 24, 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 the highest paying hands-on job?

Nacha is not a job title but a standard for electronic payments. Among hands-on jobs, roles such as surgeons, anesthesiologists, and specialized engineers tend to have the highest salaries, often exceeding six figures annually. These positions typically require advanced skills, certifications, and extensive training.

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 is the 3 month rule for jobs?

The 3 month rule for jobs, including roles like Nacha, typically refers to a probationary period of three months during which an employee's performance is evaluated before confirming permanent employment. This period allows employers to assess skills, reliability, and fit for the role, and employees often gain access to full benefits after successful completion.

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.

What does Nacha do?

A Nacha is a professional who works in the electronic payments industry, managing and overseeing ACH (Automated Clearing House) transactions and payment processing systems. They often ensure compliance with industry standards, utilize specialized software, and may hold certifications related to payments and financial operations.

What jobs pay 500,000 a year in the US?

For a Nacha, which typically refers to a professional in the ACH network or banking operations, high-paying roles such as senior financial executives, chief compliance officers, or specialized consultants can reach or exceed $500,000 annually, especially with extensive experience, certifications, and leadership responsibilities. These roles often require advanced skills in finance, regulatory knowledge, and strategic management, and are usually found in large financial institutions or corporations. Compensation at this level is rare and usually involves bonuses, stock options, or profit sharing.
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Nacha jobs near you
Infographic showing various Nacha job openings in the United States as of July 2026, with employment types broken down into 95% Full Time, and 5% 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.

ACH Specialist 1

Farmers and Merchants Bank of Long Beach

Seal Beach, CA • On-site

Full-time

Posted 28 days ago

Job description

Job Summary

The ACH Specialist 1 is responsible for daily ACH receipt and return operations in accordance with the NACHA Rules, Federal Reserve guidelines, and bank policies and procedures. This position supports end-to-end ACH processing, including exception handling, returns, reconciliations, and client support. The ACH Specialist 1 assist with compliance monitoring, reporting, and special projects to ensure accurate, timely and compliant ACH operations.

Essential Duties

  • Process daily ACH Receipt activity, including exception items, returns, Notification of Change (NOC), and Death Notification Entries (DNE) in compliance with NACHA Rules and Federal Reserve requirements, Regulation E and Bank policies and procedures.
  • Reconcile daily ACH settlement activity to ensure accurate and complete posting of transactions.
  • Research, resolve, and respond to ACH disputes, errors and inquiries in accordance with Regulation E and Bank procedures.
  • Provide high quality customer service by responding promptly and professionally to phone and email inquiries from internal and external clients.
  • Review daily OFAC monitoring reports and escalate items as required.
  • Compile, maintain, and distribute ACH related reports, spreadsheets, and documentation as required to support operational and compliance needs.
  • Maintain current knowledge of ACH regulations, Bank policies, and procedural updates.
  • Participate in special projects such as but not limited to system conversions, release, disaster recovery testing, and process improvements.
  • Attend training and work towards advancing to an ACH Specialist 2 position.
  • Provide support to internal teams and external clients by responding promptly and professionally to ACH inquiries, including but not limited to transaction status and troubleshooting assistance.
  • Recognize and identify ACH operational or compliance issues and notify management when discrepancies, errors, or risks are identified.
  • Demonstrate dependability by consistently meeting deadlines, following procedures, and maintaining accuracy and quality daily work.

Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security, and privacy requirements. This position will elevate suspicious activity to supervisory staff and/or BSA department. Completes compliance and other technical training workshops as assigned.

Non-Essential Duties
  • Procedure documentation
  • Scanning & Filing ACH documents.
  • Monthly certifications
  • Statistical tracking and reporting

Required Knowledge

  • NACHA Rules
  • Regulation E
  • Regulation CC
  • Regulation DD
  • Bank Secrecy Act

Basic Knowledge, Skills, and Abilities

  • Outstanding customer service skills
  • Excellent written and oral communication skills
  • Strong analytical, critical thinking, and problem-solving skills.
  • Ability to work in an environment where deadlines require timely and accurate processing.
  • Demonstrated ability to work independently while supporting a team.
  • Proficient personal computer skills including Microsoft Office Outlook, Word & Excel
  • Ability to work in multiple online systems required for ACH processing.
  • Strong oral and written communication skills when interacting with internal and external clients.
  • Ability to respectfully communicate with Management and Co-workers
  • Strong attention to detail with excellent follow-through
  • Must have ability to multi-task in a fast-paced environment maintaining attention to detail.
  • Ability to respectfully communicate with Management and Co-workers

Equipment Operated

  • Lap/Desk top computers.
  • Standard Office Equipment (copiers, fax machines)

Physical Requirements & Work Environment

  • Requires sitting for prolonged periods of time.
  • Requires lifting to 5 lbs.
  • Office setting w/controlled temperature

Education and Experience

  • High School Diploma or equivalent required
  • Preferred candidate must have 2-5 years of banking experience.
  • Accredited ACH Professional preferred

As a part of the Bank’s internal control systems, employees holding sensitive positions are required to be absent from their duties for a minimum of two consecutive weeks each year. This position has been deemed to meet the test for a sensitive position, and therefore you will be required to meet the minimum absence requirement every year.

This job description is not intended to be all-inclusive, and employees will be required to perform additional related work duties as assigned by their immediate supervisor and/or management.

F&M Bank reserves the right to revise or change a job description or duties as the need arises. This job description does not constitute a written or implied contract of employment.