Senior Analyst, Automated Clearing House (ACH) Operations

We’re building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what’s right for our clients.

At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute.

To learn more about CIBC, please visit CIBC.com

What You'll Be Doing

Our Payments team plays an important role in delivering accurate, timely Automated Clearing House (ACH) processing and exceptional support to our clients and partners. As an ACH Operations professional, you’ll monitor daily ACH file activity, resolve exceptions, and process items such as reversals, deletions, returns, rejects, and corporate and consumer disputes. You’ll respond to client inquiries and research requests, while working closely with internal partners and external financial institutions to address processing issues efficiently. You’ll also contribute to policy, procedure, and training material development to help improve team effectiveness and service quality. In addition, you’ll support audit and compliance activities, participate in testing and implementation for new ACH products and services, and complete reporting and analysis to support informed decision-making.

At CIBC we enable the work environment most optimal for you to thrive in your role. You’ll have the flexibility to manage your work activities within a hybrid work arrangement where you’ll spend 1+ days per week on-site, while other days will be remote.

How You'll Succeed

• ACH Processing & Exception Management - Monitor daily ACH file activity and resolve exceptions to support accurate and efficient processing. Complete reversals, deletions, returns, rejects, and corporate and consumer dispute activities in a timely manner.

• Client & Partner Support - Respond to client inquiries and research requests with professionalism and urgency. Work closely with internal teams and other financial institutions to resolve ACH processing issues and provide clear updates.

• Risk, Audit & Compliance Support - Partner with audit, compliance, and other control-focused teams to ensure activities are completed in line with internal policies and regulatory requirements. Maintain strong attention to accuracy and documentation standards.

• Continuous Improvement - Assist in developing and enhancing policies, procedures, and training materials to improve operational efficiency and the client experience. Identify opportunities to streamline workflows and strengthen team processes.

• Testing & Implementation - Participate in testing and implementation activities for new ACH products, services, and system enhancements. Support smooth transitions by identifying issues, validating results, and sharing feedback.

• Reporting & Analysis - Complete reporting and analytical activities that help track performance, identify trends, and support business decisions. Use data thoughtfully to help improve processes and outcomes.

Who You Are

• You have relevant ACH operations experience. You bring 5-10 years of banking and Automated Clearing House (ACH) processing experience, with a strong understanding of payments operations and exception handling.

• You’re analytically strong. You use critical thinking to investigate issues, identify root causes, and make sound decisions in a fast-paced operational environment.

• You’re highly detail-oriented. You work carefully and accurately, especially when managing time-sensitive transactions, exceptions, reporting, and documentation.

• You’re technically confident. You’re proficient in Microsoft Excel and can gather data, build spreadsheets, apply formulas, and create clear, polished reports for business leaders. You’re also quick to learn new systems and applications.

• You bring change and improvement experience. Experience supporting system conversions, implementations, testing, and process improvement initiatives is strongly preferred. Accredited ACH Professional (AAP) certification and a college degree are considered assets.

• Values matter to you. You bring your real self to work and live our values of trust, teamwork, and accountability.

California residents — your privacy rights regarding your actual or prospective employment 

This role has an expected salary range of $70,000 USD - $80,000 USD based on experience, qualifications, and location (the salary for different locations will be discussed during the interview). The successful candidate may be eligible to participate in the relevant business unit’s incentive compensation plan, which may also include a discretionary bonus component. CIBC offers a full range of benefits and programs, including Medical, Dental, Vision, Health Savings Account, Life Insurance, Disability, Paid Time Off, Holidays, and 401(k), plus other special perks for our team members. Candidates hired to work in other locations will be subject to the pay range associated with that location. Additional total compensation and benefits details will be provided during the hiring process.

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**This position is not eligible for employment sponsorship**

What CIBC Offers

At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck.

• We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, a vacation offering, wellbeing support, and MomentMakers, our social, points-based recognition program.

• Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.

• We cultivate a culture where you can express your ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development.

*Subject to plan and program terms and conditions

What you need to know

• CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact [email protected]

• You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit.

• We may ask you to complete an attribute-based assessment and other skills tests (such as simulation, coding, MS Office). Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us.

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