Job Description

The ACH Specialist 1 is responsible for daily ACH receipt and return operations in accordance with the NACHA Rules, Federal Reserve guidelines, and bank policies and procedures. This position supports end-to-end ACH processing, including exception handling, returns, reconciliations, and client support. The ACH Specialist 1 assist with compliance monitoring, reporting, and special projects to ensure accurate, timely and compliant ACH operations.

Essential Duties

• Process daily ACH Receipt activity, including exception items, returns, Notification of Change (NOC), and Death Notification Entries (DNE) in compliance with NACHA Rules and Federal Reserve requirements, Regulation E and Bank policies and procedures.
• Reconcile daily ACH settlement activity to ensure accurate and complete posting of transactions.
• Research, resolve, and respond to ACH disputes, errors and inquiries in accordance with Regulation E and Bank procedures.
• Provide high quality customer service by responding promptly and professionally to phone and email inquiries from internal and external clients.
• Review daily OFAC monitoring reports and escalate items as required.
• Compile, maintain, and distribute ACH related reports, spreadsheets, and documentation as required to support operational and compliance needs.
• Maintain current knowledge of ACH regulations, Bank policies, and procedural updates.
• Participate in special projects such as but not limited to system conversions, release, disaster recovery testing, and process improvements.
• Attend training and work towards advancing to an ACH Specialist 2 position.
• Provide support to internal teams and external clients by responding promptly and professionally to ACH inquiries, including but not limited to transaction status and troubleshooting assistance.
• Recognize and identify ACH operational or compliance issues and notify management when discrepancies, errors, or risks are identified.
• Demonstrate dependability by consistently meeting deadlines, following procedures, and maintaining accuracy and quality daily work.

Complies with all State and Federal Banking regulatory requirements, including but not limited to: BSA, Anti-Money Laundering OFAC, CIP, Financial Elder Abuse Reporting, Sexual Harassment, Information Security, and privacy requirements. This position will elevate suspicious activity to supervisory staff and/or BSA department. Completes compliance and other technical training workshops as assigned.

Non-Essential Duties

• Procedure documentation
• Scanning & Filing ACH documents.
• Monthly certifications
• Statistical tracking and reporting

Required Knowledge

• NACHA Rules
• Regulation E
• Regulation CC
• Regulation DD
• Bank Secrecy Act

Basic Knowledge, Skills, and Abilities

• Outstanding customer service skills
• Excellent written and oral communication skills

• Strong analytical, critical thinking, and problem-solving skills.
• Ability to work in an environment where deadlines require timely and accurate processing.

• Demonstrated ability to work independently while supporting a team.
• Proficient personal computer skills including Microsoft Office Outlook, Word & Excel
• Ability to work in multiple online systems required for ACH processing.

• Strong oral and written communication skills when interacting with internal and external clients.
• Ability to respectfully communicate with Management and Co-workers
• Strong attention to detail with excellent follow-through
• Must have ability to multi-task in a fast-paced environment maintaining attention to detail.
• Ability to respectfully communicate with Management and Co-workers

Equipment Operated

• Lap/Desk top computers.
• Standard Office Equipment (copiers, fax machines)

Physical Requirements & Work Environment

• Requires sitting for prolonged periods of time.
• Requires lifting to 5 lbs.
• Office setting w/controlled temperature

Education and Experience

• High School Diploma or equivalent required
• Preferred candidate must have 2-5 years of banking experience.
• Accredited ACH Professional preferred

As a part of the Bank’s internal control systems, employees holding sensitive positions are required to be absent from their duties for a minimum of two consecutive weeks each year. This position has been deemed to meet the test for a sensitive position, and therefore you will be required to meet the minimum absence requirement every year.

This job description is not intended to be all-inclusive, and employees will be required to perform additional related work duties as assigned by their immediate supervisor and/or management.

F&M Bank reserves the right to revise or change a job description or duties as the need arises. This job description does not constitute a written or implied contract of employment.

February 20, 2026