Senior ACH Payment Operations Analyst

We believe that the way people interact with their finances will drastically improve in the next few years. We’re dedicated to empowering this transformation by building the tools and experiences that thousands of developers use to create their own products. Plaid powers the tools millions of people rely on to live a healthier financial life. We work with thousands of companies like Venmo, SoFi, several of the Fortune 500, and many of the largest banks to make it easy for people to connect their financial accounts to the apps and services they want to use. Plaid’s network covers 12,000 financial institutions across the US, Canada, UK and Europe. Founded in 2013, the company is headquartered in San Francisco with offices in New York, Washington D.C., London and Amsterdam. The ACH Operations team at Plaid is a cross-functional team responsible for Plaid’s suite of money movement [and payments] products. Numerous companies depend on our service for their payment needs. The Operations team is committed to offer support to our customers and to reimagine how millions of people and fintechs move their money in a convenient and secure manner while remaining compliant with payment regulations. The role requires cross-functional collaboration with Customer Oversight, Product, Strategic Finance, Engineering, and our GTM teams. Additionally, you will be responsible for providing day-to-day operational support to our Banking Partners and Business Customers. In addition to a solid understanding of Nacha Operating Rules, we are looking for someone with an understanding of RTP and FedNow. 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.