Work From Home ACH Operations Manager

Work From Home ACH Operations Manager Location Remote in Richmond, VA :

Posted Date

4/25/2025

Description

Work From Home ACH Operations Manager

The Enterprise Payments (EP) Automated Clearing House (ACH) Operations team is currently searching for a Principal Associate to manage the File Processing function at Capital One. The ACH operations team is aligned to the Retail Bank, but manages all the processing of ACH transactions for the Enterprise. Our work includes processing files for both Card and Bank customers throughout the day, as well as remediating a variety of file exceptions.

As a People Leader within the ACH organization, you will be responsible for overseeing the daily operations of the ACH File Processing team. The ACH manager will partner with line of business ACH stakeholders on processing issues, deliver results around the ACH modernization agenda, and drive our well-managed strategy in a fast paced environment. Additionally, you will support the data transformation efforts to ensure the ACH team is equipped with fundamental skill to analyze ACH data.

The manager will be an ACH subject matter expert to support a growing organization with high visibility. This individual will

Duties and Responsibilities

• Responsible for overseeing daily operations of ACH File Processing team (morning shift of 5 associates) Hours of operation are 7AM Est - 11:30 PM Est
• Escalate and communicate issues to lines of business and EP leadership
• Works with partner groups within ACH value stream to drive process change and problem solve complex issues
• Oversees operational process, recommends and implements modifications to improve quality and efficiency
• Act as a liaison for ACH stakeholders to drive change for ACH Modernization efforts for the File Processing team
• Responsible for ensuring ACH resources are available and prepared for all audit engagements, Process Level Assessment activities and SOX controls and testing support
• Responsible for working with applicable functional teams and or data to research and resolve issues for internal and external customer complaints.
• Supports Knowledge transfer by designing and implementing training for associates for continuous learning
• Analyze potential training and enhancement opportunities relative to team tenure / experience
• Attend industry working groups and represent Capital One on behalf of ACH

Work from Home Technology Requirements

• Secure home office environment that is free from background noise and distractions
• Reliable private internet connection that is not supplied via cellular data or hotspot is required
  • A private network that is password protected where you have ownership or line of site sight to every device on the network
  • Internet service must be provided by Cable or Fiber Internet Service Providers (ISP)
  • Hotspots and satellite services are prohibited and do not meet performance criteria required for optimal agent/customer interactions
  • ISP download speeds on VPN must be at least 5Mbps, with 10+ Mbps preferred
  • To validate ISP speeds from a Chrome browser, go to type Speed Test and run from the Google landing page
• Both Hardwire and WiFi internet connections are acceptable as long as speed and security requirements are met

Capital One reserves the right to request proof of internet provider, speed and service package from the associate. Requirements are subject to change, as new systems and technology is delivered. Capital One reserves the right to modify internet service requirements with sixty (60) days notice. Internet Service Provider specs can change by provider and location within the US. If you are experiencing consistent issues with internet stability Capital One reserves the right to ask the agent to upgrade internet service to ensure a good customer experience.

Work from Home Location Requirements

This role is 100% work from home. We are unable to consider applicants who do not meet the required Capital One Work at Home compatible internet access or who live in the states of California, Hawaii, or US territories. Work from home U.S. based associates are not permitted to work internationally, outside of the continental United States (i.e. Hawaii or U.S. Territories), or California.

Basic Qualifications

• High School Diploma, GED or equivalent certification
• At least 3 years of ACH processing or payment processing experience
• At least 3 years of coaching, mentoring or people leadership experience
• At least 3 years of experience in process or operations management
• At least 2 years of experience using Google Suite or Microsoft Office
• At least 1 year of experience in risk, compliance or audit

Preferred Qualifications

• Bachelors Degree or Military experience
• At least 5 years of ACH experience
• At least 4 years experience in risk, compliance or audit
• At least 4 years of people leadership experience
• At least 3 years of Google Sheets experience
• At least 2 years of ACH modernization experience
• At least 1 year of project management experience
• At least 1 year of experience working with Pep+
• Accredited ACH Professional (AAP) certification or Accredited Payments Risk Professional (APRP) certification

More Benefits, More Health, More Wealth, and More Life

Capital One believes in encouraging you to fill up your cup and come back fresh. Combine that with above and beyond benefits and you might be onto something.

• Medical, Dental, Vision, Prescription coverage Day 1
• Flexible Schedule Options
• Paid Time Off
• Wellbeing offerings such as backup childcare and Mental Wellness support
• Tuition Reimbursement
• Paid Training and Development offered quarterly
• Flexible Spending Account
• Life Insurance
• Disability Insurance
• 401 K and Stock Purchase Plan

At Capital One, we strive to attract the best people to give them the opportunity to be great.”

• Rich D. Fairbank, Chairman, Founder and CEO

We believe in the Power of one

Work & Culture at Capital One

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

Remote (Regardless of Location): $93,400 - $106,600 for Principal Ops Associate Richmond, VA: $93,400 - $106,600 for Principal Ops Associate

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate's offer letter.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

This role is expected to accept applications for a minimum of 5 business days.No agencies please. Capital One is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City's Fair Chance Act; Philadelphia's Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at [email protected]. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to [email protected]

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

Work From Home ACH Operations Manager

The Enterprise Payments (EP) Automated Clearing House (ACH) Operations team is currently searching for a Principal Associate to manage the File Processing function at Capital One. The ACH operations team is aligned to the Retail Bank, but manages all the processing of ACH transactions for the Enterprise. Our work includes processing files for both Card and Bank customers throughout the day, as well as remediating a variety of file exceptions.

As a People Leader within the ACH organization, you will be responsible for overseeing the daily operations of the ACH File Processing team. The ACH manager will partner with line of business ACH stakeholders on processing issues, deliver results around the ACH modernization agenda, and drive our well-managed strategy in a fast paced environment. Additionally, you will support the data transformation efforts to ensure the ACH team is equipped with fundamental skill to analyze ACH data.

The manager will be an ACH subject matter expert to support a growing organization with high visibility. This individual will

Duties and Responsibilities

• Responsible for overseeing daily operations of ACH File Processing team (morning shift of 5 associates) Hours of operation are 7AM Est - 11:30 PM Est
• Escalate and communicate issues to lines of business and EP leadership
• Works with partner groups within ACH value stream to drive process change and problem solve complex issues
• Oversees operational process, recommends and implements modifications to improve quality and efficiency
• Act as a liaison for ACH stakeholders to drive change for ACH Modernization efforts for the File Processing team
• Responsible for ensuring ACH resources are available and prepared for all audit engagements, Process Level Assessment activities and SOX controls and testing support
• Responsible for working with applicable functional teams and or data to research and resolve issues for internal and external customer complaints.
• Supports Knowledge transfer by designing and implementing training for associates for continuous learning
• Analyze potential training and enhancement opportunities relative to team tenure / experience
• Attend industry working groups and represent Capital One on behalf of ACH

Work from Home Technology Requirements

• Secure home office environment that is free from background noise and distractions
• Reliable private internet connection that is not supplied via cellular data or hotspot is required
  • A private network that is password protected where you have ownership or line of site sight to every device on the network
  • Internet service must be provided by Cable or Fiber Internet Service Providers (ISP)
  • Hotspots and satellite services are prohibited and do not meet performance criteria required for optimal agent/customer interactions
  • ISP download speeds on VPN must be at least 5Mbps, with 10+ Mbps preferred
  • To validate ISP speeds from a Chrome browser, go to type Speed Test and run from the Google landing page
• Both Hardwire and WiFi internet connections are acceptable as long as speed and security requirements are met

Capital One reserves the right to request proof of internet provider, speed and service package from the associate. Requirements are subject to change, as new systems and technology is delivered. Capital One reserves the right to modify internet service requirements with sixty (60) days notice. Internet Service Provider specs can change by provider and location within the US. If you are experiencing consistent issues with internet stability Capital One reserves the right to ask the agent to upgrade internet service to ensure a good customer experience.

Work from Home Location Requirements

This role is 100% work from home. We are unable to consider applicants who do not meet the required Capital One Work at Home compatible internet access or who live in the states of California, Hawaii, or US territories. Work from home U.S. based associates are not permitted to work internationally, outside of the continental United States (i.e. Hawaii or U.S. Territories), or California.

Basic Qualifications

• High School Diploma, GED or equivalent certification
• At least 3 years of ACH processing or payment processing experience
• At least 3 years of coaching, mentoring or people leadership experience
• At least 3 years of experience in process or operations management
• At least 2 years of experience using Google Suite or Microsoft Office
• At least 1 year of experience in risk, compliance or audit

Preferred Qualifications

• Bachelors Degree or Military experience
• At least 5 years of ACH experience
• At least 4 years experience in risk, compliance or audit
• At least 4 years of people leadership experience
• At least 3 years of Google Sheets experience
• At least 2 years of ACH modernization experience
• At least 1 year of project management experience
• At least 1 year of experience working with Pep+
• Accredited ACH Professional (AAP) certification or Accredited Payments Risk Professional (APRP) certification

More Benefits, More Health, More Wealth, and More Life

Capital One believes in encouraging you to fill up your cup and come back fresh. Combine that with above and beyond benefits and you might be onto something.

• Medical, Dental, Vision, Prescription coverage Day 1
• Flexible Schedule Options
• Paid Time Off
• Wellbeing offerings such as backup childcare and Mental Wellness support
• Tuition Reimbursement
• Paid Training and Development offered quarterly
• Flexible Spending Account
• Life Insurance
• Disability Insurance
• 401 K and Stock Purchase Plan

At Capital One, we strive to attract the best people to give them the opportunity to be great.”

• Rich D. Fairbank, Chairman, Founder and CEO

We believe in the Power of one

Work & Culture at Capital One

At this time, Capital One will not sponsor a new applicant for employment authorization for this position.

The minimum and maximum full-time annual salaries for this role are listed below, by location. Please note that this salary information is solely for candidates hired to perform work within one of these locations, and refers to the amount Capital One is willing to pay at the time of this posting. Salaries for part-time roles will be prorated based upon the agreed upon number of hours to be regularly worked.

Remote (Regardless of Location): $93,400 - $106,600 for Principal Ops Associate Richmond, VA: $93,400 - $106,600 for Principal Ops Associate

Candidates hired to work in other locations will be subject to the pay range associated with that location, and the actual annualized salary amount offered to any candidate at the time of hire will be reflected solely in the candidate's offer letter.

This role is also eligible to earn performance based incentive compensation, which may include cash bonus(es) and/or long term incentives (LTI). Incentives could be discretionary or non discretionary depending on the plan.

Capital One offers a comprehensive, competitive, and inclusive set of health, financial and other benefits that support your total well-being. Learn more at the Capital One Careers website. Eligibility varies based on full or part-time status, exempt or non-exempt status, and management level.

This role is expected to accept applications for a minimum of 5 business days.No agencies please. Capital One is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to sex (including pregnancy, childbirth or related medical conditions), race, color, age, national origin, religion, disability, genetic information, marital status, sexual orientation, gender identity, gender reassignment, citizenship, immigration status, protected veteran status, or any other basis prohibited under applicable federal, state or local law. Capital One promotes a drug-free workplace. Capital One will consider for employment qualified applicants with a criminal history in a manner consistent with the requirements of applicable laws regarding criminal background inquiries, including, to the extent applicable, Article 23-A of the New York Correction Law; San Francisco, California Police Code Article 49, Sections 4901-4920; New York City's Fair Chance Act; Philadelphia's Fair Criminal Records Screening Act; and other applicable federal, state, and local laws and regulations regarding criminal background inquiries.

If you have visited our website in search of information on employment opportunities or to apply for a position, and you require an accommodation, please contact Capital One Recruiting at 1-800-304-9102 or via email at [email protected]. All information you provide will be kept confidential and will be used only to the extent required to provide needed reasonable accommodations.

For technical support or questions about Capital One's recruiting process, please send an email to [email protected]

Capital One does not provide, endorse nor guarantee and is not liable for third-party products, services, educational tools or other information available through this site.

Capital One Financial is made up of several different entities. Please note that any position posted in Canada is for Capital One Canada, any position posted in the United Kingdom is for Capital One Europe and any position posted in the Philippines is for Capital One Philippines Service Corp. (COPSSC).

Salary

93,400.00 - 106,600.00 Annual

Type

Full-time