ACH Operations Business Analyst
SouthState Bank
full-time
Posted on:
Location Type: Remote
Location: Alabama • Colorado • United States
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Salary
💰 $74,400 - $118,848 per year
About the role
- Serve as the business analyst and primary coordinator for ACH‑related components of enterprise projects impacting ACH Operations.
- Includes leading ACH scope definition, identifying business requirements, and testing strategy development for system and process changes.
- Produce and maintain benchmark reports, KPI, and KRI reporting related to ACH performance and risk.
- Enhance and maintain reporting to monitor ACH origination activity, performance metrics, and project impacts.
- Perform impact analysis and regression testing for system updates affecting ACH origination, receipt, settlement, and reporting.
- Serve as primary subject matter expert in PEP+.
- Work with IT resources to develop Bot and API integrations with PEP+.
- Partner with the ACH Manager and Team Leads to drive process improvement, operational readiness, and post‑implementation stabilization.
- Document and manage ACH issues, defects, and risks identified during testing and implementation, working with vendors and internal technology teams to resolution.
- Support ACH‑specific audit and risk assessment requests and responses, risk monitoring efforts, control validations/testing
- Ensure ACH procedures, controls, and documentation are updated and aligned with system changes and regulatory requirements
- Develop ACH‑specific training materials, communications, and operational guidance resulting from project implementations.
- Support payment initiatives for Wires and Instant Payments
- Serve as SME for Nacha Rules and any Regulatory compliance changes related to ACH
Requirements
- Bachelors degree or higher preferred
- Minimum of 5 years of progressively responsible experience in Payment Operations or related systems analysis roles
- AAP or APRP Preferred
- Advanced knowledge of ACH Operations and Payment Processing
- Strong business analysis, requirements definition, and testing expertise
- Proven experience supporting complex system changes and enterprise initiatives
- Excellent written and verbal communication skills
- Strong proficiency in MS Word, Excel, PowerPoint, and Outlook
- Experience with Power Query, Power BI, and Power Automate
- Experience with PEP+ and CNS
- Strong understanding of Nacha Rules and ISO 20022
Benefits
- Health insurance
- 401(k) matching
- Flexible work arrangements
- Professional development
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills & Tools
ACH OperationsPayment ProcessingBusiness AnalysisRequirements DefinitionTesting ExpertiseImpact AnalysisRegression TestingProcess ImprovementRisk AssessmentTraining Development
Soft Skills
Communication SkillsCoordinationProblem SolvingCollaborationDocumentation Management
Certifications
Bachelor's DegreeAAPAPRP