Senior ACH Payment Operations Analyst

Responsibilities

• Assist in creating and maintaining operational procedures.
• Responsible for ACH Return Monitoring
• Monitor exposure limits for ACH Originators, including acting as a liaison between our Client and the Strategic Finance Team.
• Responsible for ACH Investigations including but not limited to request for record of authorization, ACH Recalls, ACH Reversals, and Trace Requests.
• Daily Reconciliation of Payment Activity
• Responsible for reviewing and resolving operational alerts.
• Working directly with Plaid customers to resolve issues; gathering customer needs and working with the product team to resolve them.

Qualifications

• 4+ years in an ACH payments -focused operations or risk environment, with demonstrated ownership of complex work-streams
• Bachelor's Degree (finance focus not required; operational strength prioritized)
• Strong verbal and written communication skills with ability to present to cross-functional stakeholders
• Strong organizational, critical thinking, and independent problem-solving skills
• Proficiency in Google Workspace, MS Office, Slack, and similar tools
• Strong understanding of Nacha Operating Rules (including return rate thresholds, authorization requirements)
• Demonstrated ability to own workstreams autonomously with minimal managerial oversight
• Proven track record as DRI or significant contributor on process improvement or automation projects
• Ability to identify and recommend risk-calibrated decisions with limited guidance

Our mission at Plaid is to unlock financial freedom for everyone. To support that mission, we seek to build a diverse team of driven individuals who care deeply about making the financial ecosystem more equitable. We recognize that strong qualifications can come from both prior work experiences and lived experiences. We encourage you to apply to a role even if your experience doesn't fully match the job description. We are always looking for team members that will bring something unique to Plaid!

Plaid is proud to be an equal opportunity employer and values diversity at our company. We do not discriminate based on race, color, national origin, ethnicity, religion or religious belief, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, transgender status, sexual stereotypes, age, military or veteran status, disability, or other applicable legally protected characteristics. We also consider qualified applicants with criminal histories, consistent with applicable federal, state, and local laws. Plaid is committed to providing reasonable accommodations for candidates with disabilities in our recruiting process. If you need any assistance with your application or interviews due to a disability, please let us know at accommodations@plaid.com.

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Additional compensation in the form(s) of equity and/or commission are dependent on the position offered. Plaid provides a comprehensive benefit plan, including medical, dental, vision, and 401(k). Pay is based on factors such as (but not limited to) scope and responsibilities of the position, candidate's work experience and skillset, and location. Pay and benefits are subject to change at any time, consistent with the terms of any applicable compensation or benefit plans.