About the ACH Operations Analyst Role

Robert Half is proud to partner with a leading financial institution in Memphis, Tennessee, to find a skilled ACH Operations Analyst for their Deposit Operations team. This full-time position offers a competitive salary starting at $38,000 annually and is perfect for banking professionals with expertise in ACH processing, compliance, and deposit operations. Located in the heart of Memphis, TN, United States, this role plays a critical part in ensuring seamless daily banking functions, regulatory adherence, and exceptional customer service. If you thrive in a fast-paced banking environment and have a keen eye for detail, this opportunity at Robert Half can propel your career forward.

The ACH Operations Analyst is responsible for all duties associated with daily deposit operations processing, with a strong emphasis on ACH regulations and their impact on financial institutions. You'll handle everything from origination and compliance monitoring to balancing cash letters and settling bank funds. This role requires a proactive approach to customer support, overdraft processing, and maintaining compliance across deposit-related activities. Join Robert Half's network of top finance talent and contribute to the stability and growth of a trusted Memphis-based bank.

Why This Role Stands Out in Memphis Banking Jobs

In Memphis, TN's vibrant financial sector, roles like ACH Operations Analyst are in high demand due to the city's growing economy and key logistics hub status. Robert Half specializes in placing professionals in such specialized positions, offering unparalleled support throughout your career journey. With our expertise, you'll gain access to exclusive opportunities that match your skills in banking operations, compliance, and customer service.

Key Responsibilities

As an ACH Operations Analyst, your day-to-day tasks will keep the bank's deposit operations running smoothly:

• Perform ACH origination and rigorous compliance monitoring to ensure regulatory adherence.
• Balance cash letters and bank cash daily with precision and accuracy.
• Process collection items, new deposit account openings, and special item processing as required.
• Provide top-tier customer service support for deposit-related inquiries.
• Balance debit card activity and monitor all deposit retention and compliance metrics.
• Support online and mobile banking platforms through monitoring and troubleshooting.
• Execute daily and monthly reconciliations, including settling bank funds.
• Process daily overdrafts based on banker decisions, handling adjustments and chargebacks efficiently.
• Manage garnishments as directed by Legal/Compliance teams and process Reg D letters.
• Handle stops, ACH return items, and review deposit maintenance reports like dormant accounts and large-dollar items.
• Conduct year-end processing, ensure compliance with all regulations, and assist Bank Operations and Branch Administration as needed.
• Take on additional responsibilities as directed by leadership to support team success.

Required Qualifications

To excel in this ACH Operations Analyst position with Robert Half in Memphis, TN, candidates should possess:

• Proven experience in ACH regulations, deposit operations, and financial institution processes.
• Strong knowledge of compliance requirements, including Reg D, garnishments, and ACH returns.
• Technical skills in balancing cash, debit cards, reconciliations, and banking software systems.
• Excellent customer service abilities with a focus on deposit account management and support.
• Proficiency in online/mobile banking monitoring and overdraft processing.
• Attention to detail for handling reports, large items, dormant accounts, and settlements.
• Ability to work collaboratively with operations, branches, legal, and compliance teams.
• A commitment to ongoing learning of banking regulations and best practices.

Previous experience in a similar banking operations role is highly preferred. Robert Half values candidates who demonstrate reliability, accuracy, and a passion for the banking industry.

Why Join Us at Robert Half?

Partnering with Robert Half means more than just a job—it's a gateway to exceptional benefits and career growth in Memphis, Tennessee's competitive job market. Enjoy a comprehensive benefits package including health insurance, 401(k) matching, paid time off, and professional development opportunities tailored to finance and banking pros. Our supportive culture fosters work-life balance with flexible arrangements and a collaborative environment.

Robert Half is a leader in finance and accounting staffing, connecting top talent like you with premier employers. In Memphis, TN, we offer SEO-optimized job placements in high-demand areas like ACH operations, deposit processing, and compliance. Advance your career with us—apply today for this ACH Operations Analyst role and experience the Robert Half difference. With over 600 words of detailed insights, this posting highlights why we're the best choice for your next banking career move in the United States.