ACH Business Operations Analyst

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

We are seeking a ACH Business Operations Analyst. This person will supports ACH production operations by monitoring file activity, ensuring compliance with ACH processing rules, and resolving exceptions as they arise. This role serves as a key backup to the ACH desk team, stepping in to conduct research, troubleshoot issues, and assist customers with file processing when capacity is limited.

An ideal candidate will be adaptable professionals who thrive in a fast-paced operational environment, enjoy problem-solving, demonstrate strong learning agility, work effectively with others, and are willing to develop expertise in ACH operations.

Start times range from 3:00pm - 5:00pm MST or CST

Responsibilities include:

• Analyzing transaction data, investigating discrepancies, coordinating with internal partners, and supporting high-value client activity through direct outreach and issue resolution.

• The position requires managing multiple operational tasks simultaneously, maintaining accurate documentation, and ensuring timely processing and resolution of ACH-related items in a fast-paced, process-driven environment.

• Participates in the modification of existing applications or development of new applications.

• Acts as a liaison and technical resource between management, staff and information systems to define and communicate standards of operational policy, plans, customer service or financial/performance reporting.

• Ensures all documentation and requests comply with established policies and procedures.

• Maintains applicable systems to monitor and track projects, plans and/or data; provides reports to management as needed.

• Writes test plans and performs tests of new systems and modifications to existing systems.

• Develops communication tools to ensure a high level of awareness of policies, plans, procedures or study/project results.

Basic Qualifications

• Bachelor’s degree, or equivalent work experience

• Typically five or more years of related experience

Preferred Skills/Experience

• Thorough knowledge of policies, plans, procedures, products and regulatory requirements for assigned business unit

• 5+ Years of related experience within ACH

• Ability to conduct an analysis of a business need, including scheduling meetings, planning agendas and conferring with business line leaders

• Strong understanding of project management and testing methodology and procedures

• Ability to develop test schedules, review testing plans, track test issues and report on test results

• Strong analytical and forecasting skills

• Ability to manage multiple tasks/projects and deadlines simultaneously

• Ability to work as part of a project team

• Effective verbal and written presentation and communication skills

• Proficient computer navigation skills using a variety of software packages including Microsoft Office applications

• A willingness to learn

• Ability to make through and quick decisions

Location expectations This role requires working from a U.S. Bank location three (3) or more days per week.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:

• Healthcare (medical, dental, vision)

• Basic term and optional term life insurance

• Short-term and long-term disability

• Pregnancy disability and parental leave

• 401(k) and employer-funded retirement plan

• Paid vacation (from two to five weeks depending on salary grade and tenure)

• Up to 11 paid holiday opportunities

• Adoption assistance

• Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law

Review our full benefits available by employment status here.

U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.

E-Verify

U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services. Learn more about the E-Verify program.

The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $81,515.00 - $95,900.00

U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.

Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.

Posting may be closed earlier due to high volume of applicants.