Job Description

The EFT Risk Team monitors Risk for ACH and other payment channels. Managing the Risk helps keep customers and UMB from large losses. This team is essential in ensuring customer ACH Origination activity is processed according to UMB’s Risk appetite.

As the EFT Risk Analyst, you will assist with the ongoing administration and support of multiple risk programs, processes, and audits that impact Bank Operations. With the exposure to ACH accounts and activity, this role is vital for risk management within Operations. This is a subset of the overall responsibilities which will include multiple initiatives assigned by Bank Operations leadership.

This role is hybrid (Mon through Thu on-site / Fri remote) for candidates in the Kansas City metropolitan area and open to qualified remote candidates outside of the Kansas City area. However, the remote location must be within the US. The work schedule is Monday through Friday, 8:00 – 4:30 PM with a 30-min lunch break or 8:00 – 5:00 PM with an hour lunch break.

How you will spend your time:

• Complete regular reports, specialized reports, and special projects as requested.
• Complete monthly analysis of statistical reporting for payment processing.
• Present reporting and findings to senior & executive management monthly.
• Perform self-testing of controls as well as bi-annual risk self-assessments.
• Assist with gathering and reviewing data for various reviews and/or audits.
• Assist with follow up from internal or external audits to resolve questions and/or outstanding items.
• Identify potential process improvements and implement documentation.
• Maintain policies and procedures related to job duties
• Understand and remain current on related industry activity, changes, regulations, and announcements.

We are excited to talk if you have:

• Associate degree or equivalent experience.
• 1 year experience with banking or financial processing or equivalent experience.
• 1 year of compliance, audit, or risk experience.

Bonus Points if you have:

• ACH Accredited Professional (AAP) Certification or Accredited Payments Risk Professional (APRP) Certification.
• Five (5) years of specific experience working with electronic payments and/or treasury management products/processes.
• Experience working with financial risk modeling.

Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position.

Deadline to apply: August 8, 2026

Compensation Ranges:

US Employees in California, Washington DC, New Jersey, and New York:

$54,220 - $79,020

US Employees in Colorado, Connecticut, Delaware, Illinois, Massachusetts, Maryland, Minnesota, Pennsylvania, Rhode Island, Texas, Washington, and Wisconsin:

$49,510 - $72,340

US Employees in all other states not listed above:

$44,790 - $65,650

The posted compensation range on this listing represents UMB’s good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. Please see the description of benefits included with this job posting for additional information.

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

Are you ready to be part of something more?
You're more than a means to an end—a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to talentacquisition@umb.com to let us know the nature of your request.

If you are a California resident, please visit our Privacy Notice for California Job Candidates to understand how we collect and use your personal information when you apply for employment with UMB.

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