Sr. Specialist, ACH Risk

Valley Bank
Clifton, NJ
At Valley Bank, we believe in people's growth potential. We invest in it. We protect it. We focus it. For nearly 100 years, we've been the Bank that clients from every industry turn to for our expertise, strategies, and advice--building the kind of trust that can fuel every goal. We are the leading relationship bank built for growth--with over $60 billion in assets, 3,800 experts, and more than 200 consumer branches and commercial banking offices in communities across the US.

At Valley, we're all driven by an ambition that goes deeper than just having a job. That's why when you work for us, we make it our goal to help you focus on what drives you--working to turn your passions and strengths into assets you can use to propel your ambitions and build the professional legacy you want. Because when we say we're a relationship bank built for growth, that's not just reserved for our clients--that includes all our associates as well.

The Senior Specialist, ACH Risk, supports the monitoring and analysis of risks associated with the Automated Clearing House (ACH) network. This role focuses on reviewing ACH activity across the bank and its clients, identifying potential fraud, compliance, and operational risks, and ensuring adherence to ACH rules and regulatory requirements.

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Responsibilities Include But Are Not Limited To

  • Review ACH transactions and reports to detect and prevent fraudulent, suspicious, or erroneous activity.
  • Conduct ACH risk assessments and audits to evaluate the bank's compliance with the ACH rules and regulations, as well as internal policies and procedures.
  • Apply ACH risk management and mitigation strategies, policies, and procedures to minimize the bank's exposure to ACH losses and conduct ACH investigations and recovery.
  • Provide ACH risk advisory and training to the bank's staff and clients and maintain effective communication with internal and external stakeholders.
  • Investigate and resolve ACH disputes, claims, and exceptions, and coordinate with the ACH network, other financial institutions, and law enforcement agencies as needed.
  • Keep abreast of the latest trends, developments, and best practices in the ACH industry, and participate in relevant forums and committees.

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Required Skills

  • Strong knowledge of the ACH rules and regulations, as well as the applicable laws and regulations related to ACH transactions.
  • Proficient in ACH systems, tools, and software, within EPN, Federal Reserve Bank or core system.
  • Excellent analytical, problem-solving, and decision-making skills, with attention to detail and accuracy.
  • Effective communication, presentation, and interpersonal skills, with the ability to work independently and collaboratively.

Required Experience

  • High School Diploma or GED. Minimum of five years of experience of banking or financial operations.

Preferred Experience

  • Bachelor's degree in finance, accounting, business, or related field.
  • Minimum of five years of experience in ACH risk management, operations, or compliance.
  • Knowledge of NACHA Rules and Guidelines, Regulation E.
  • AAP Certification.
Posted 2025-11-12

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