Golden 1 Credit Union · 1 month ago
Payment Operations - Manager - ACH Operations
Sacramento, CA
Full-time
Onsite
Senior Level
$125K/yr - $135K/yr
5+ years expGolden 1 Credit Union is seeking a Manager of ACH Operations who will lead the ACH Operations Team, ensuring operational efficiency and regulatory compliance. This role involves strategic planning, member experience management, and continuous improvement initiatives to enhance departmental success.
BankingFinanceFinancial Services
Responsibilities
Lead, inspire, and develop the ACH Operations Team, focusing on skill development, coaching, and mentoring to drive exceptional performance
Build a positive, engaging work environment that aligns with Golden 1's mission, vision, and values
Ownership for the success of the ACH Operations Team, ensuring operations are carried out efficiently, accurately, and in compliance with all relevant regulations and internal policies
Collaborate closely with the Director of Payment Operations, to develop and implement new programs, products, and services
Provide periodic updates on the ACH Operations Team’s performance and make recommendations for continuous improvement
Lead efforts to align department goals with overall credit union strategy and objectives, prioritizing projects, managing resources effectively, and fostering cross-functional collaboration
Seek out resolution of escalated member concerns related to ACH Processing and General Ledgers activities
Identify root causes, implement solutions, and ensure swift resolution to maintain high levels of member satisfaction
Own the risk of the processes within role mandate
Ensure the department’s compliance with state and federal laws, including Bank Secrecy Act, anti-money laundering regulations, and other relevant requirements
Proactively monitor internal controls and policies to safeguard the credit union's assets
Lead risk assessments and implement control activities that mitigate risks in line with Golden 1's risk appetite
Provide regular coaching, training, and development opportunities to supervisors and staff, ensuring they are equipped to excel in their roles
Foster a culture of continuous improvement through leadership, feedback, and performance management
Oversee the recruitment, development, and retention of high-performing supervisors and staff, conducting performance evaluations and managing personnel matters, including staffing projections and budgetary considerations
Foster strong communication and collaboration with department supervisors and staff to facilitate information exchange
Lead and manage all projects related to ACH Processing and General Ledgers, ensuring timely execution and alignment with strategic objectives
Engage in the research and analysis necessary to implement new products and services
Continuously assess operational workflows and recommend enhancements to improve efficiency and service delivery
Drive innovation and process improvements across the ACH Operations Department
Manage and maintain strong relationships with key vendors (e.g., Fiserv, The Clearing House, Federal Reserve) by monitoring service level agreements, negotiating contracts, and ensuring high-quality service delivery
Develop and sustain a professional network with vendors and other credit union leaders to stay abreast of industry trends and opportunities for growth
Prepare and manage the annual budget for the ACH Operations Department, tracking variances and ensuring financial performance aligns with established goals
Provide detailed reporting and analysis of financial outcomes to senior management
Create, review, and update department policies related to ACH Processing and General Ledger functions
Ensure procedures are well-documented and that staff are trained to follow them effectively
Develop a deep understanding of the pertinent regulatory requirements for ACH operations, staying current with industry standards, and ensuring that all operations adhere to compliance guidelines
Lead the creation of risk assessments for ACH Processing to manage operational risk effectively
Proactively monitor compliance with regulations from the Federal Reserve Bank, correspondent banks, the National Automated Clearing House (NACHA), and internal auditing standards
Lead initiatives to ensure that all ACH Processing and General Ledger balancing activities meet established compliance standards, while providing training and resources to staff to enhance their understanding and adherence to these regulations
Continuously monitor the performance of the ACH Operations Department, ensuring all operational metrics are met, and service levels are maintained
Communicate performance issues to Senior Management promptly and ensure timely resolution of operational concerns
Serve as the subject matter expert (SME) for ACH operations within the credit union, maintaining a deep understanding of NACHA processing rules and regulations
Partner closely with the compliance team to ensure all ACH processes and activities are compliant with regulatory standards, proactively identifying and addressing any potential compliance issues
Participate in and lead enterprise-level initiatives that align with the credit union's strategic goals. Collaborate with cross-functional teams to drive projects aimed at enhancing operational efficiencies, improving member experiences, and integrating new technologies
Ensure that all initiatives are effectively communicated to stakeholders and that progress is monitored and reported
Perform additional duties as assigned, always maintaining focus on leadership, continuous improvement, and driving the success of Golden 1's Payment Operations
Qualification
Required
Bachelor's degree in a related field or equivalent work experience is preferred
5-7 years of experience in payment operations, specifically with ACH Processing within a credit union or bank setting
5+ years' experience in leading and managing teams, with a focus on performance coaching and development
Strong attention to detail and accuracy in handling financial transactions
Excellent communication and interpersonal skills to foster collaboration across departments and with external partners
Ability to multitask and manage time efficiently in a fast-paced environment
Demonstrated ability to work well in a team-oriented environment
Strong analytical and problem-solving skills, with the ability to assess operational performance and implement improvements effectively
Excellent oral, written, and interpersonal communication skills
Familiarity with payment processing systems, General Ledger systems, and related technologies
In-depth knowledge of ACH processing rules, NACHA regulations, and compliance with federal laws related to bank secrecy and anti-money laundering
Proficient computer skills and software experience
Preferred
Relevant certifications, such as Certified Payments Professional or NACHA certification
Company
Golden 1 Credit Union
Golden 1 Credit Union is a financial cooperative that offers checking, savings, home loan, investment, insurance and online services.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Allyson Hill, CPA
Senior Vice President, Chief Financial Officer
Joseph Harrison, CPA (Oregon), CRCM, CIA, CAMS, CFE
Senior Vice President - Chief Compliance Officer
Recent News
The Business Journal
2025-10-04
2025-10-02
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