Demo

ACH File Representative

S3 Shared Services
Baltimore, MD Full Time
POSTED ON 8/19/2025
AVAILABLE BEFORE 10/19/2025

The ACH File team is composed of experienced ACH professionals who contribute their knowledge and ACH file processing experience to provide outstanding service to our members. They are detailed oriented individuals that have a track record of achieving departmental and institutional goals. The ACH team at S3 is responsible for analyzing, and reconciling daily ACH returns and payments in accordance with Nacha and Federal guidelines.

S3 STAR Values:
• Service
• Teamwork
• Attitude
• Results

Location: Remote
TOP JOB RESPONSIBILITIES:
• Process multiple incoming daily Federal Reserve ACH return files in accordance with Nacha governing regulations
• Prepare and send daily completed ACH files to partner Accounting/Recon teams.
• Research and respond daily to ACH return file member escalations.
• Perform Federal Reserve/ EPN ACH adjustments and assists Recon/Accounting teams with balancing and settlement.
• Partner with other internal departments to research and resolve ACH processing issues.
Other responsibilities and opportunities:
• Perform ACH testing of new products of systems.
• Attend three NACHA training webinars annually.
• Assist with ACH dispute, stop payment, EFT and ACH research as needed.
• Additional job-related projects and duties as assigned by management.
QUALIFICATIONS & SKILLS:
• 1 year of ACH file processing work experience required.
• AAP certified professional, preferred.
• Knowledge of Reg E and NACHA Regulations, preferred.
• Strong analytical skills.
• Ability to multitask under tight deadlines.
• Problem resolution experience.
• Proficient in Microsoft office (Word, Excel, Outlook).
• Ability to prioritize workload commitments.
• Excellent verbal and written communication skills.

PERKS AND BENEFITS:
• Group medical, dental, and vision coverage insurance
• Generous Paid Time Off
• Up to 11 Paid Holidays Per Year
• 401(k) With Employer Match and Discretionary Contribution
• Employee Referral Program
• Wellness Programs
• Peer-to-Peer Recognition Program

Salary commensurate with experience with an expected range of:

About S3:
We are excited to share that S3 was named a Top Workplace of 2022 through the Baltimore Sun and 2023 Top Workplace in the USA as well as for leadership. Our commitment to teamwork and a positive attitude enables us to deliver service that generates quality results for our partners. If you join our team, we will invest in your learning and development through training programs designed to power your success.
S3 is a Credit Union Service Organization (CUSO) which is an organization, owned by credit unions. We serve credit unions by supporting their operations and delivering world class service. We support the credit union members with their loans, deposits and other financial needs to achieve their goals.

Equal Employment Opportunity
All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected status.”
ADA Statement & Requirements
S3 is committed to the full inclusion of all qualified individuals. In keeping with our commitment, S3 will take steps to ensure that people with disabilities are provided reasonable accommodations.

Work Environment- This position operates in a professional office environment. This role uses standard office equipment such as computers, phones, photocopiers, filling cabinets and fax machines.
Cognitive Requirements-
Occasionally: Perform basic mathematical computations.
Frequently: Effectively communicate verbally and in writing. Analyze and compute information. Problem solving and critical thinking.
Constantly: Works independently, little supervision needed. Comprehend materials and follow instructions. Compile, copy and compare information. Exercise good judgement/reasoning and resourcefully solve routine problems. Organize and handle multiple tasks and prioritize. Handle confidential/sensitive information.
Physical Requirements-
Frequently: Use hand/fingers to handle and feel. Speak coherently.
Constantly: Sit- Remaining in a seated position for long periods of time. Use hands/fingers for repetitive keyboard & hand motion.
Emotional Effort- Occasional short deadlines. The work environment is occasionally hectic with periods of high stress.
Internal/External Interaction- Occurs occasionally with periods of high volume.

If your compensation planning software is too rigid to deploy winning incentive strategies, it’s time to find an adaptable solution. Compensation Planning
Enhance your organization's compensation strategy with salary data sets that HR and team managers can use to pay your staff right. Surveys & Data Sets

What is the career path for a ACH File Representative?

Sign up to receive alerts about other jobs on the ACH File Representative career path by checking the boxes next to the positions that interest you.
Income Estimation: 
$58,577 - $78,586
Income Estimation: 
$68,205 - $95,258
Income Estimation: 
$46,619 - $58,095
Income Estimation: 
$46,660 - $59,490
Income Estimation: 
$46,698 - $56,511
Income Estimation: 
$53,091 - $66,145
Income Estimation: 
$125,305 - $173,168
Income Estimation: 
$68,734 - $85,597
Income Estimation: 
$67,182 - $95,497
Income Estimation: 
$85,464 - $107,127
Income Estimation: 
$125,305 - $173,168
Income Estimation: 
$59,030 - $72,438
Income Estimation: 
$67,182 - $95,497
Income Estimation: 
$68,734 - $85,597
Income Estimation: 
$77,209 - $106,382
Income Estimation: 
$41,833 - $52,858
Income Estimation: 
$40,527 - $50,495
Income Estimation: 
$36,960 - $49,500
Income Estimation: 
$46,619 - $58,095
Income Estimation: 
$125,305 - $173,168
View Core, Job Family, and Industry Job Skills and Competency Data for more than 15,000 Job Titles Skills Library

Not the job you're looking for? Here are some other ACH File Representative jobs in the Baltimore, MD area that may be a better fit.

Senior ACH Dispute Representative

S3 Shared Service Solutions, LLC, Baltimore, MD

File Clerk (Part-Time)

LHH Recruitment Solutions, Baltimore, MD

AI Assistant is available now!

Feel free to start your new journey!