Jobs and Careers

ACH Business Operations Analyst

Saint Paul, United Statesfull_timeVerifiedPosted 17 Aug 2026

💰 $95,900/yr($81,515/yr – $95,900/yr)

About the role

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at—all from Day One.

Job Description

We are seeking a ACH Business Operations Analyst. This person will supports ACH production operations by monitoring file activity, ensuring compliance with ACH processing rules, and resolving exceptions as they arise. This role serves as a key backup to the ACH desk team, stepping in to conduct research, troubleshoot issues, and assist customers with file processing when capacity is limited.

An ideal candidate will be adaptable professionals who thrive in a fast-paced operational environment, enjoy problem-solving, demonstrate strong learning agility, work effectively with others, and are willing to develop expertise in ACH operations.

Start times range from 3:00pm - 5:00pm MST or CST

Responsibilities include:

Analyzing transaction data, investigating discrepancies, coordinating with internal partners, and supporting high-value client activity through direct outreach and issue resolution.
The position requires managing multiple operational tasks simultaneously, maintaining accurate documentation, and ensuring timely processing and resolution of ACH-related items in a fast-paced, process-driven environment.
Participates in the modification of existing applications or development of new applications.
Acts as a liaison and technical resource between management, staff and information systems to define and communicate standards of operational policy, plans, customer service or financial/performance reporting.
Ensures all documentation and requests comply with established policies and procedures.
Maintains applicable systems to monitor and track projects, plans and/or data; provides reports to management as needed.
Writes test plans and performs tests of new systems and modifications to existing systems.
Develops communication tools to ensure a high level of awareness of policies, plans, procedures or study/project results.

Basic Qualifications

Bachelor’s degree, or equivalent work experience
Typically five or more years of related experience

Preferred Skills/Experience

Thorough knowledge of policies, plans, procedures, products and regulatory requirements for assigned business unit
5+ Years of related experience within ACH
Ability to conduct an analysis of a business need, including scheduling meetings, planning agendas and conferring with business line leaders
Strong understanding of project management and testing methodology and procedures
Ability to develop test schedules, review testing plans, track test issues and report on test results
Strong analytical and forecasting skills
Ability to manage multiple tasks/projects and deadlines simultaneously
Ability to work as part of a project team
Effective verbal and written presentation and communication skills
Proficient computer navigation skills using a variety of software packages including Microsoft Office applications
A willingness to learn
Ability to make through and quick decisions

Location expectations
This role requires working from a U.S. Bank location three (3) or more days per week.

If there’s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.

Benefits:

Our approach to benefits and total rewards considers our team members’ whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following: