ACH Processing Associate

About the role

Responsible for the accurate and timely processing of ACH transactions, ensuring the secure handling of electronic files and compliance with internal procedures. Monitors file integrity, identifies discrepancies, and supports internal teams and customers by addressing ACH-related inquiries, contributing to the smooth and secure operation of the bank’s payment processing.

Location: Sioux Falls, SD | Company: First PREMIER Bank | Status: Full-Time

Responsibilities

• Ensures that incoming and outgoing ACH transactions such as direct deposits, bill payments, vendor payments, and government benefits are processed accurately and on time.
• Monitors and validates daily ACH file transmissions by comparing client-submitted transmittal forms against corresponding ACH file balances.
• Identifies and escalates any discrepancies that may indicate potential fraud or irregular processing activity.
• Collects electronic ACH files from customers via secure file transfer protocols (SFTP), transfers files to designated holding folders, initiates processing through the ACH engine, and ensures secure and timely transmission to the ACH operator for final delivery to The Clearing House (TCH).
• Assists internal departments or customers with general ACH-related inquiries via phone or email.
• Identifies errors or exceptions in the ACH file and raises them to management for approval.
• Clearly and effectively shares information with clients, team members, or departments, both verbally and in writing.
• Accurately processes and reviews information, ensuring no errors are made.
• Evaluates information, identifies patterns or discrepancies, and solves problems logically.
• Prioritizes tasks and manages workload efficiently to meet deadlines.
• Takes initiative, manages tasks without constant supervision, and follows through to completion.

Qualifications

• High school diploma or GED required.
• Some college coursework or 1–2 years of experience in banking operations, financial systems, or regulatory compliance preferred.
• Basic knowledge of Microsoft Office and general computer skills required.

Benefits

• Full medical benefits when working 20+ hours per week
• Traditional and High Deductible health plan options available
• Free dental and vision coverage
• Generous Paid Time Off plans
• 401(k) – dollar-for-dollar match up to 5% of total compensation
• Special discounts and offers for events at the Denny Sanford PREMIER Center
• PREMIER Wellness Program
• Paid Community Volunteer Hours – PREMIER averages 30,000 hours per year
• Fun Employee Parties

Culture

• Emphasis on personal success, respect, health, wellness, fun, and giving back
• Employees are rewarded, valued, and celebrated for hard work
• Career advancement opportunities demonstrate leadership’s commitment
• Appreciation shown through private concerts, outdoor bashes, cash and car giveaways, and more