ACH Payments Manager

Texas Capital is built to help businesses and their leaders. Our depth of knowledge and expertise allows us to bring the best of the big firms at a scale that works for our clients, with highly experienced bankers who truly invest in people’s success — today and tomorrow.

While we are rooted in core financial products, we are differentiated by our approach. Our bankers are seasoned financial experts who possess deep experience across a multitude of industries. Equally important, they bring commitment — investing the time and resources to understand our clients’ immediate needs, identify market opportunities and meet long-term objectives . At Texas Capital, we do more than build business success. We build long-lasting relationships.

Texas Capital provides a variety of benefits to colleagues, including health insurance coverage, wellness program,
fertility and family building aids,
life and disability insurance, retirement savings plans with a generous 401K match, paid leave programs, paid holidays, and paid time off (PTO).

Headquartered in Dallas with offices in Austin, Fort Worth, Houston, Richardson, Plano and San Antonio, Texas Capital was recently named Best Regional Bank in 2024 by Bankrate and was named to
The Dallas Morning News
’ Dallas-Fort Worth metroplex Top Workplaces 2023 and
GoBankingRate’s
2023 list of Best Regional Banks. For more information about joining our team, please visit us at
www.texascapitalbank.com
.

Key Responsibilities
Team & Operations Management
Manage and develop a team of ACH Operations Specialists, including daily work allocation, performance coaching, and professional development
Own staffing adequacy and capacity planning; monitor production hours against transaction volumes and escalate staffing needs with supporting data
Establish and maintain standard operating procedures for all ACH processing functions, ensuring documentation remains current with Nacha rule changes and internal policy updates
Coordinate cross-training to maintain operational continuity during absences, volume surges, and staff transitions — eliminating single points of failure
Drive team accountability against intraday processing deadlines and regulatory return windows
ACH Processing & Exception Management
Oversee the daily monitoring and processing of inbound and outbound ACH files, ensuring erroneous activity or system failures are identified and communicated immediately
Direct the processing of ACH manual returns, stop payments, rejected entries, and non-post items within Nacha-prescribed timelines (e.g., 2 banking days for unauthorized return entries under Nacha Operating Rules)
Manage ACH reclamation processing and ensure compliance with federal reclamation requirements
Supervise ACH origination and service setup, modifications, and deletions for the operations department
Maintain and validate daily ACH outgoing files for accuracy, review, and record retention
Prepare and review daily ACH reports for management review and approval
Instant Payments & Emerging Rails
Oversee the processing and exception handling for real-time payment transactions across FedNow and RTP networks, including timeout errors, duplicate detection, return requests, and RFI messages
Monitor instant payment exception trends and adjust staffing and procedures as volume grows with client adoption of real-time payment rails
Partner with product, technology, and compliance teams on instant payment enhancements and new rail integrations
Deposit Operations Support
Provide oversight and direct support for deposit research and adjustment entries to correct processing errors
Reconcile DDA and General Ledger variances by researching and resolving out-of-balance issues
Assist with IntraFi transaction processing upon request from middle office operations
Monitor GNI accounts for collateral adequacy; manage new, increasing, and decreasing collateral positions with FHLB upon front office direction
Provide coverage and support for money fund purchases, redemptions, and FDIC-insured deposit solutions, including transaction processing, provider reconciliation, and client service as needed
Process Improvement & Automation
Identify, evaluate, and implement automation opportunities to reduce manual touch points and per-item processing time
Track efficiency gains from automation initiatives and report measurable outcomes to management (e.g., exception volume reduction, hours recovered)
Partner with technology teams on system enhancements, workflow tools, and reporting capabilities that improve ACH processing accuracy and throughput
Stakeholder & Partner Management
Build and maintain strong working relationships with internal business partners, compliance, risk, technology, and front office teams
Serve as the primary operational point of contact for external financial institutions on ACH-related inquiries, ensuring timely and professional response within departmental and Nacha-mandated deadlines
Manage Salesforce case volume related to ACH operations, ensuring timely resolution and consistent client and partner communication
Coordinate with sub-custodians and money market mutual fund providers on trade settlement activity when supporting broader deposit operations functions
Compliance & Risk
Ensure all ACH processing activities comply with Nacha Operating Rules, Federal Reserve Regulation E, UCC Article 4A, and internal bank policies
Monitor for regulatory changes affecting ACH and instant payment operations; assess impact and update procedures accordingly
Support internal and external audit and examination requests with accurate documentation, data, and process narratives
Maintain awareness of OFAC screening requirements applicable to ACH transactions and coordinate with BSA/AML compliance as required
Required Qualifications
7–10 years
of progressive banking operations experience with a primary focus on ACH processing and deposit operations
2+ years
of direct team leadership or supervisory experience in a payments or deposit operations environment
Strong working knowledge of Nacha Operating Rules
and Federal Reserve ACH regulatory framework (Regulation E, Regulation CC)
Demonstrated experience managing high-volume, deadline-driven transaction processing with strict intraday cutoff requirements
Proven ability to analyze workload data, identify capacity constraints, and make data-supported staffing and process recommendations
Proficiency with Fiserv core banking products (or comparable core platforms) and Cash Management software
Advanced proficiency in Microsoft Excel, Outlook, and the broader Microsoft 365 suite for reporting, analysis, and communication
Strong written and oral communication skills with the ability to interact professionally with internal partners and external financial institutions
Preferred Qualifications
Experience with real-time payment rails (FedNow, RTP) including exception handling and settlement processes
Familiarity with IntraFi deposit network products and FHLB collateral management
Knowledge of trade settlement processing, sub-custodian operations, and money market fund transaction workflows
AAP (Accredited ACH Professional) or APRP (Accredited Payments Risk Professional) certification from Nacha
Experience implementing process automation or workflow optimization initiatives within a payments operations environment
Familiarity with Salesforce or comparable case management platforms for operational support tracking
Competencies
Analytical Rigor —
Logical, systematic approach to identifying and resolving out-of-balance positions, exception trends, and process breakdowns
Operational Discipline —
Ability to enforce consistent adherence to procedures, deadlines, and quality standards across a team
Adaptability —
Comfortable managing competing priorities and shifting volume patterns in a fast-paced production environment
Ownership Mentality —
Proactive identification of risks, gaps, and improvement opportunities without waiting for directi