ACH & Wire Transfer Operations Specialist - Payments

Job Title : ACH & Wire Transfer Operations Specialist

Experience - 5+ Years Experience)

Location : Trivandrum,Kerala

Job Type: Full-time

Job Summary:

We are seeking an experienced ACH & Wire Transfer Operations Specialist to manage and oversee the daily operations related to ACH (Automated Clearing House) and wire transfers. The ideal candidate will have at least 5 years of hands-on experience in payment processing, a deep understanding of NACHA and Fedwire regulations, and a proven ability to work in a high-volume, deadline-driven environment.

Key Responsibilities:

- Execute and monitor incoming and outgoing ACH and wire transfer transactions (domestic and international).

- Ensure timely and accurate processing in compliance with NACHA rules, UCC Article 4A, OFAC regulations, and internal policies.

- Investigate and resolve payment exceptions, returns, NOCs (Notification of Change), and disputes.

- Perform daily reconciliations and end-of-day balancing for ACH and wire activity.

- Maintain audit trails and documentation for compliance and reporting purposes.

- Collaborate with internal departments (Treasury, Compliance, Risk, IT) to resolve issues and implement process improvements.

- Participate in system upgrades, testing, and implementation of payment platforms (e.g., SWIFT, FedLine, FIS, Fiserv, or similar).

- Stay current with regulatory changes, NACHA rule updates, and industry best practices.

- Support fraud detection and prevention efforts by monitoring suspicious transaction patterns.

- Provide training and guidance to junior team members as needed.

Qualifications:

- Education: Degree in Finance, Accounting, Business Administration, or a related field.

- Experience: Minimum 5 years of experience in ACH and wire transfer operations, preferably within a financial institution or fintech environment.

Technical Skills:

- Proficiency with payment platforms (e.g., FedLine, SWIFT, FIS, Jack Henry, Fiserv).

- Strong Excel and data management skills.

Knowledge:

- In-depth understanding of ACH (NACHA) and wire transfer regulations.

- Familiarity with regulatory requirements: OFAC, AML, BSA, UCC.

Soft Skills:

- Detail-oriented with strong analytical and problem-solving abilities.

- Effective communication and teamwork skills.

- Ability to work independently and manage multiple priorities.