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Senior ACH Operations Analyst

Cross River

Cross River

IT, Operations
Fort Lee, NJ, USA
Posted on Friday, March 4, 2022

Who We Are

Cross River is a highly profitable, fast-growing financial technology company powering the future of financial services. Our comprehensive suite of innovative and scalable embedded payments, cards, and lending products deliver financial services for millions of businesses and consumers around the globe. Cross River is backed by leading investors and serves the world’s most essential fintech and technology companies. Together with its partners, Cross River is reshaping global finance and financial inclusion.

We are on a mission to build the infrastructure that propels access, inclusion, and the democratization of financial services. While our company has tripled in size over the last three years, our strong sense of purpose led Cross River to be named to American Banker’s list of Best Places to Work in Fintech for the last 6 years. The reason for this success is simple – our nimble and collaborative family culture lives in every member of our growing team. Together we are at the forefront of technology and innovation, and we invite passionate, collaborative, and motivated high performers to join our expanding team.

What We’re Looking For

The Sr. ACH Operations Analyst will be primarily responsible for handling Automated Clearing House (ACH) items working closely with the Operations Manager. This position has a very in-depth knowledge of ACH, the bank’s ACH systems, rules/regulations and ACH process flows.


  • Review and process ACH files daily for entries Originated
  • Research and resolve inquiries from Originators related to ACH returns and notifications of change
  • Daily exception processing for incoming ACH entries
  • Process Stop Payments and errors related to Regulation E
  • Process Reversal and Recall Requests on behalf of ACH Originators
  • Monitor exposure limits for ACH clients
  • Review daily reports related to ACH returns and return rates
  • Review daily reports related to ACH entries originated
  • Provide telephone support to ACH clients and other banks
  • Perform daily end of day reconciliations of our ACH systems
  • Create and maintain ACH procedures
  • Perform annual reviews on ACH clients
  • Perform monthly return analysis for ACH clients
  • Create ACH reports for management and the Board of Directors
  • Train and work with ACH clients to ensure they are meeting NACHA requirements
  • Onboarding new ACH clients, includes testing, review of previous origination activity, SEC codes, etc.


  • At least 3 years of experience in ACH Origination and Receiving
  • Strong knowledge of NACHA audit requirements for Originators, Third-Party Service Providers, and Third-Party Senders
  • Knowledge of APIs and ACH origination using APIs
  • Experience with originating IAT ACHs and mapping requirements for IATs
  • Experience with Third-Party Senders and Third-Party Service Providers
  • Strong knowledge and understanding of the NACHA Operating Rules as well as file mapping requirements
  • Excellent interpersonal and customer service abilities
  • Ability to work effectively while multi-tasking in a high-volume environment
  • Excellent organizational skills and high attention to detail
  • Strong research, problem-solving and critical thinking skills
  • Excellent PC skills
  • Knowledge of payment industry and fintech
  • High proficiency in MS Excel
  • Excellent oral and written communication skills
  • Ability to both learn new products/services and apply knowledge
  • Maintain confidential customer and Bank information in a responsible and secure manner
  • Ability to work effectively in a multi-task, fast paced environment


Salary Range: $70,000.00 - $100,000.00

Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.

By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.