Join Our Client’s Team as an ACH Risk Specialist!
About our Client
Our Client, a dynamic and innovative company based in Calabasas, California, is a full-service payment provider delivering cutting-edge technology to empower sales organizations like ISOs and ISVs. With a white-labeled payments stack, we help our partners monetize payments seamlessly. Our suite of products includes merchant acquiring services, a proprietary gateway, ACH processing, fraud and chargeback tools, robust analytics, and more.
Backed by a dedicated team specializing in underwriting, risk management, compliance, technology development, onboarding, and customer support, Our Client is redefining the payments landscape.
About the Role
We’re looking for an ACH Risk Specialist who thrives in a fast-paced, high-stakes environment. Reporting to the VP of Risk and Underwriting and other senior leaders, you’ll play a critical role in safeguarding our merchant accounts while ensuring compliance and mitigating financial risks.
Your mission: to stay one step ahead of credit risks, transactional anomalies, and fraud patterns. This is more than just a role—it’s an opportunity to protect and enhance the integrity of our payment ecosystem.
What You’ll Do
- Monitor merchant ACH activity daily, weekly, and monthly to spot return rates, credit risks, and emerging fraud trends.
- Analyze originations, returns, and approval limits for merchant portfolios to detect irregularities.
- Provide detailed, data-driven analyses to inform management’s decision-making.
- Ensure compliance with all relevant laws, regulations, and company policies, recommending proactive actions where necessary.
- Evaluate financial, credit, and publicly available information to support business decisions.
- Assess risk exposure by analyzing merchant industries, transaction volumes, delivery timelines, and return rates.
- Respond to internal and external inquiries related to ACH risk.
- Stay ahead of risks in higher-risk verticals, developing mitigation strategies and exposure calculations.
- Support specialized projects as assigned by leadership.
What We’re Looking For
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Experience: 5+ years of hands-on ACH Merchant Risk monitoring, including ACH return ratios, POA reviews, audits, and NAICS code analysis.
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Expertise: In-depth knowledge of NACHA, REG-E rules, and ACH operating guidelines.
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Tools of the Trade: Familiarity with underwriting and due diligence tools like Equifax, TIN Check, GIACT, and PLAID.
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Analytical Edge: A keen ability to evaluate business models, calculate risks, and interpret vertical-specific exposures.
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Technical Skills: Proficiency with Microsoft Excel and other Microsoft products.
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Certifications: AAP, APRP, or similar certifications are a plus—or a willingness to pursue certification (with our sponsorship).
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Communication: Strong written and verbal communication skills are essential.
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Industry Knowledge: Understanding of trends and technologies shaping the ACH payments space.
Why Join Us?
Our Client is committed to supporting your professional growth. You’ll work alongside a talented team of experts in a collaborative environment, gaining hands-on experience with cutting-edge technologies in the payments space.
Are you ready to make a difference in the world of ACH risk management? Join Our Client today and be part of a team that values innovation, excellence, and integrity.