Senior ACH Payment Operations Specialist

Kennebunk Savings operates on the shared belief that Helping One Another Is the Right Thing To Do. Our Core Values - Trust, Integrity, Proactive and Empathy provide the guideposts for how we support that belief. They guide our day to day actions - from the way we build relationships, to how we make decisions and problem solve, to how we interact with one another. Our Core Values form the foundation of our culture. Embodying them forms the basis of what makes for a successful employee at Kennebunk Savings.

Scope of Work:

Under the guidance of the Deposit Operations Manager, the ACH Payment Operations Specialist serves as the Company's subject matter expert for ACH payment processing, NACHA compliance, operational risk management, and process improvement activities. This role is responsible for overseeing complex ACH operations, resolving escalated issues, ensuring regulatory compliance, collaborating with other departments, and supporting strategic initiatives. This position partners with Cash Management, Commercial Banking, Compliance, Deposit Services, Risk Management and Technology teams to ensure the efficient, accurate and secure processing of ACH transactions. The incumbent will need to possess strong problem-solving capabilities, critical thinking abilities and organizational skills.

Essential Functions:

ACH Operations Leadership and Processing Oversight

Oversee the accurate and timely processing of all ACH transactions and related payment activities.

Review and approve complex ACH files, large-dollar transactions and exception items.

Monitor processing deadlines, settlement schedules, and operational controls to ensure service-level performance.

Serve as the operational expert for ACH products, processes, and regulatory requirements.

Risk Management, Compliance, and Quality Control

Ensure compliance with NACHA Rules, regulatory requirements, and internal bank polices.

Review ACH activity for operational, fraud, and compliance risks and escalate concerns appropriately.

Support internal and external audits, regulatory examinations, and risk assessments.

Develop and maintain procedures, controls and quality assurance standards for ACH operations.

Customer Support, Process Improvement, and Training

Resolve escalated customer and internal partner inquiries related to ACH processing and payment exceptions.