Senior Automated Clearing House Specialist

Job Title: Senior Automated Clearing House Specialist

Location: United Arab Emirates (Remote)

Employment Type: Full-Time

Work Arrangement: 100% Remote — Work From Home

Level: Senior

About the Role

The Senior Automated Clearing House (ACH) Specialist oversees the technical and operational administration of electronic payment transactions processed through automated clearing house networks. The role focuses on payment file validation, transaction monitoring, clearing and settlement reconciliation, exception investigation, return processing, and operational control management. Working fully remotely, the specialist collaborates with banking operations, treasury, payment technology, compliance, and financial institution partners to support accurate, secure, and timely electronic payment processing in accordance with applicable network rules and regulatory requirements.

Key Responsibilities

• Oversee the operational monitoring and administration of ACH payment processing activities, including credit transfers, debit transactions, direct deposits, and recurring payments.
• Review incoming and outgoing ACH files for completeness, formatting accuracy, transaction consistency, and compliance with applicable processing specifications.
• Validate payment instructions, account information, routing identifiers, transaction codes, amounts, and settlement dates.
• Monitor ACH transaction processing cycles and identify rejected, delayed, duplicated, returned, or unmatched payment entries.
• Investigate ACH transaction exceptions and coordinate resolution with originating and receiving financial institutions.
• Review ACH return codes, reversal requests, adjustment entries, and exception reports to determine appropriate operational follow-up.
• Monitor clearing and settlement activities and reconcile ACH transaction records against internal general ledger and settlement account balances.
• Analyze payment file discrepancies, incomplete records, duplicate submissions, and processing failures.
• Coordinate remotely with banks, payment processors, corporate clients, treasury teams, and technology support personnel.
• Review payment processing data and transaction messages to identify unusual activity, potential fraud indicators, and operational irregularities.
• Support the administration of ACH debit authorization records, mandate information, and payment instruction documentation.
• Monitor transaction cut-off times, processing windows, settlement schedules, and service-level performance indicators.
• Review ACH network rules, operating procedures, and relevant regulatory requirements affecting payment processing.
• Support the implementation and monitoring of transaction controls, exception handling procedures, and reconciliation standards.
• Investigate recurring ACH processing failures and conduct root cause analysis with relevant operational and technology teams.
• Coordinate corrective and preventive action plans to reduce payment errors and improve processing reliability.
• Support testing and validation of ACH system upgrades, file format changes, payment workflow enhancements, and automated reconciliation solutions.
• Maintain accurate electronic records of payment files, transaction investigations, returns, adjustments, and reconciliation results.
• Prepare management reports covering transaction volumes, return rates, processing exceptions, settlement performance, and operational risk indicators.
• Support internal audits, compliance reviews, and operational risk assessments involving ACH activities.
• Recommend improvements to payment automation, data validation, transaction monitoring, and exception management processes.
• Provide technical guidance to junior ACH operations specialists and payment processing personnel.

Qualifications and Experience

• Bachelor's degree in Banking, Finance, Accounting, Business Administration, Information Systems, or a related discipline.
• Significant experience in ACH operations, electronic payments, clearing and settlement, payment processing, or banking operations.
• Strong understanding of ACH transaction lifecycles, including origination, clearing, settlement, returns, reversals, and adjustments.
• Familiarity with ACH network rules and operating standards, including Nacha rules where applicable to the relevant payment network.
• Knowledge of payment file formats, transaction codes, routing identifiers, and electronic funds transfer processes.
• Experience reviewing and validating bulk payment files, direct debit instructions, and electronic credit transfer records.
• Understanding of clearing cycles, settlement timelines, return deadlines, and payment exception handling.
• Experience with payment gateways, core banking platforms, ACH processing systems, and automated reconciliation tools.
• Knowledge of general ledger reconciliation, settlement account monitoring, and payment transaction balancing.
• Awareness of anti-money laundering, sanctions screening, fraud prevention, and payment security requirements.
• Familiarity with data protection controls and secure handling of confidential financial information.
• Strong analytical and problem-solving skills with excellent attention to detail.
• Proficiency in Microsoft Excel; knowledge of SQL, payment data analytics, or automation tools is an advantage.
• Ability to interpret technical payment specifications and investigate complex transaction discrepancies.
• Strong written communication and coordination skills when working with financial institutions and technology teams.
• Ability to manage high transaction volumes and time-sensitive processing deadlines in a fully remote environment.

What We Offer

• Fully remote working arrangement within the stated UAE-based role framework.
• Opportunity to contribute to electronic payment processing and clearing operations.
• Collaboration with banking, treasury, technology, and payment operations professionals.
• Exposure to automated payment platforms, reconciliation systems, and evolving payment standards.
• Opportunities for professional development in payment operations and financial technology.

How to Apply

Interested candidates should submit an updated CV highlighting their ACH operations experience, electronic payment processing knowledge, clearing and settlement expertise, and familiarity with payment network rules.

Application Subject: Application – Senior Automated Clearing House Specialist (UAE Remote)

• Candidates should confirm applicable employment arrangements, residency requirements, and work authorization before accepting an offer. This is a fully remote payment monitoring, file validation, transaction reconciliation, exception investigation, and operational support role. Physical operation of banking infrastructure, secure data centre activities, and in-person banking procedures must be performed by qualified local personnel where required. Actual payment releases, settlement authorizations, changes to payment mandates, regulatory filings, and binding financial or compliance decisions must be performed by appropriately authorized banking, treasury, or compliance personnel in accordance with applicable regulations, network rules, and delegated authority policies.