ACH Payments Manager

About the Role

Texas Capital is seeking a seasoned banking operations professional to lead and manage a team of ACH Operations Specialists. This role is responsible for overseeing ACH processing, exception management, instant payments, deposit operations support, process improvement, and stakeholder management. The ideal candidate will have a strong background in ACH operations, team leadership, and a commitment to building long-lasting relationships with clients and partners.

Responsibilities

• Team & Operations Management:
  • Manage and develop a team of ACH Operations Specialists, including daily work allocation, performance coaching, and professional development.
  • Own staffing adequacy and capacity planning; monitor production hours against transaction volumes and escalate staffing needs with supporting data.
  • Establish and maintain standard operating procedures for all ACH processing functions, ensuring documentation remains current with Nacha rule changes and internal policy updates.
  • Coordinate cross-training to maintain operational continuity during absences, volume surges, and staff transitions.
  • Drive team accountability against intraday processing deadlines and regulatory return windows.
• ACH Processing & Exception Management:
  • Oversee daily monitoring and processing of inbound and outbound ACH files, ensuring erroneous activity or system failures are identified and communicated immediately.
  • Direct processing of ACH manual returns, stop payments, rejected entries, and non-post items within Nacha-prescribed timelines.
  • Manage ACH reclamation processing and ensure compliance with federal reclamation requirements.
  • Maintain and validate daily ACH outgoing files for accuracy, review, and record retention.
  • Prepare and review daily ACH reports for management review and approval.
• Instant Payments & Emerging Rails:
  • Oversee processing and exception handling for real-time payment transactions across FedNow and RTP networks.
  • Monitor instant payment exception trends and adjust staffing and procedures as volume grows.
  • Partner with product, technology, and compliance teams on instant payment enhancements and new rail integrations.
• Deposit Operations Support:
  • Provide oversight and direct support for deposit research and adjustment entries to correct processing errors.
  • Reconcile DDA and General Ledger variances by researching and resolving out-of-balance issues.
  • Assist with IntraFi transaction processing upon request from middle office operations.
  • Monitor GNI accounts for collateral adequacy and manage collateral positions with FHLB.
  • Provide coverage for money fund purchases, redemptions, and FDIC-insured deposit solutions.
• Process Improvement & Automation:
  • Identify, evaluate, and implement automation opportunities to reduce manual touchpoints and per-item processing time.
  • Track efficiency gains from automation initiatives and report measurable outcomes to management.
  • Partner with technology teams on system enhancements and workflow tools.
• Stakeholder & Partner Management:
  • Build and maintain strong working relationships with internal and external partners.
  • Serve as the primary operational point of contact for external financial institutions on ACH-related inquiries.
  • Manage Salesforce case volume related to ACH operations, ensuring timely resolution.
• Compliance & Risk:
  • Ensure all ACH processing activities comply with Nacha Operating Rules, Federal Reserve Regulation E, UCC Article 4A, and internal bank policies.
  • Monitor regulatory changes and assess their impact on ACH and instant payment operations.
  • Support internal and external audit requests with accurate documentation and process narratives.
  • Maintain awareness of OFAC screening requirements and coordinate with BSA/AML compliance.

Qualifications

• 7–10 years of progressive banking operations experience with a primary focus on ACH processing and deposit operations.
• 2+ years of direct team leadership or supervisory experience in a payments or deposit operations environment.
• Strong working knowledge of Nacha Operating Rules and Federal Reserve ACH regulatory framework (Regulation E, Regulation CC).
• Demonstrated experience managing high-volume, deadline-driven transaction processing.
• Proven ability to analyze workload data and make data-supported staffing and process recommendations.
• Proficiency with Fiserv core banking products and Cash Management software.
• Advanced proficiency in Microsoft Excel, Outlook, and Microsoft 365 suite.
• Strong written and oral communication skills.

Preferred Qualifications

• Experience with real-time payment rails (FedNow, RTP) and exception handling.
• Familiarity with IntraFi deposit network products and FHLB collateral management.
• Knowledge of trade settlement processing and money market fund transaction workflows.
• AAP or APRP certification from Nacha.
• Experience implementing process automation or workflow optimization initiatives.
• Familiarity with Salesforce or comparable case management platforms.

Competencies

• Analytical Rigor: Logical approach to problem-solving and process improvement.
• Operational Discipline: Consistent adherence to procedures and quality standards.
• Adaptability: Comfortable managing competing priorities in a fast-paced environment.
• Ownership Mentality: Proactive identification of risks and improvement opportunities.
• Collaborative Leadership: Builds productive relationships and motivates team performance.

Technical Skills

• Experience with platforms such as ServiceNow, Salesforce, Nintex, Archer, Verafin, Alloscape, ACBS, Microsoft Suite, and PowerBI.

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program, fertility and family building aids, life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO). Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano, and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to The Dallas Morning News’ Dallas-Fort Worth metroplex Top Workplaces 2023 and GoBankingRate’s 2023 list of Best Regional Banks.