Top 3 must have s: Knowledge of NACHA or ISO20022, Knowledge as Quality Engineer JD:
Ensure the quality, compliance, and resilience of ACH processing across NACHA and ISO20022 rails. You ll design automated test plans that validate NACHA file format (File/Batch/Entry/Addenda) and ISO20022 payment messages (e.g., pain, pacs, camt), verify ACH Positive Pay and other risk controls, and ensure coverage for returns/NOCs/IAT, micro-entries, same day settlement, and rule change regression. This role demands ACH experience at a Financial Institution (operations, settlement, and/or reconciliation), ACH domain depth (including AAP/APRP certifications) plus the ability to understand and translate ISO schemas and business rules into executable test scenarios.
________________________________________
Core Responsibilities
1) Standards & Format Validation
NACHA: Validate SEC codes (PPD, CCD, CTX, WEB, IAT, ARC, BOC, POP, TEL, RCK, XCK), addenda content (e.g., ANSI X12 for CTX), effective entry dates, batch control totals, file headers/controls, and micro-entry descriptors/compliance.
ISO20022: Author and execute tests for schemas and business rules in pain.001 (customer credit transfer initiation), pacs.008 (FI to FI credit transfer), pacs.002 (status), and camt.053/054 (statements/advices) where applicable to ACH-orchestrated flows and downstream reporting.
Mapping & Translation: Validate NACHA ISO20022 transformations (field mapping, code set equivalence, amount/sign conventions, character sets, remittance structures), including CTX remittance ISO structured/unstructured remittance (RmtInf) integrity and truncation rules. 2) Positive Pay & Debit Filters (Risk Controls)
Design tests for ACH Positive Pay rules:
o Company ID lists/lists, authorized SEC code scopes, amount limits, frequency/velocity, effective date ranges, and account-level entitlements.
o Exception handling flows (match, mismatch, decision windows), notification channels, and posting suppression until a decision is applied.
Validate ACH debit blocks/filters, vendor enrollment/authorization lifecycles, and change management (add/update/remove authorizations) with audit trails.
Test exposure limits, limit hierarchies (account, company, TPS), nested TPS detection, and alert/escalation routing. 3) Lifecycle & Exception Scenarios
Returns: Full set R01 R39, dishonored returns (R61 R67), contested dishonored; timing validations and reason-code specific behaviors.
NOC: End to end Notification of Change capture, routing to originator, remediation SLA verification, and regression.
Reversals & Reclamations: Validate authorization, timing windows, account status changes (e.g., DNE flows).
IAT: Gateway presence, OFAC screening, required addenda fields; test cross-border nuances in mapping to ISO messages.
WEB Debit Account Validation: Validate the Nacha WEB Debit Account Validation Rule (pre authentication, account validation methods, failure handling). 4) Operational Quality & Posting Controls
Validate same day ACH vs next day posting rules, cutoff behavior, holiday calendars, late-day exception handling, and settlement windows.
Confirm reconciliation and reporting (ACH advices, settlement reports, exception queues; ISO camt messages where used).
Verify audit readiness: comprehensive QA artifacts, defect evidence, risk sign offs, and rule-change coverage. 5) Security, Compliance, and Data Integrity
OFAC/BSA/AML integration tests (screening, case creation, hold/release, escalation paths).
Authorization records retention/warranty coverage, consent revocation, and dispute workflows (e.g., R10/R11 unauthorized).
Data lineage across NACHA files and ISO messages; ensure remittance, company ID, and account data accuracy end to end. ________________________________________
Required Qualifications
Hands on ACH expertise (ODFI/RDFI, IAT, returns/NOC, micro-entries, same day ACH).
Proficiency in NACHA Operating Rules & Guidelines and ISO20022 payments message validation (schemas, semantic validations, business rules).
Experience with test tools (REST, JMeter, Cucumber, Zephyr, UI test frameworks - Playwright or Storybook), and PostgreSQL & DynamoDB for ledger/settlement and exception verification.
Strong analytical documentation skills; defect triage and audit-ready reporting. ________________________________________
Industry Certifications Required (one or both)
AAP Accredited ACH Professional (NACHA): Core ACH rules, formats, risk, and operations proficiency.
APRP Accredited Payments Risk Professional (NACHA): Payments risk framework, fraud controls, TPS oversight, compliance.
Never miss an opportunity! Create an alert based on the job you applied for.
