ACH Product Owner

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Job Title

ACH Product Owner

About your role:

You will own product execution for Automated Clearing House (ACH) payments capabilities on the Finxact platform, from discovery through release and production optimization. You will work with engineering, operations, compliance, implementation and client-facing teams to deliver ACH features that support reliable processing, regulatory alignment and measurable client outcomes.

What you'll do:

• Own the ACH product backlog, feature priorities and release scope aligned to company goals, client needs and market demands.
• Define feature-level objectives and success metrics for ACH capabilities, including straight-through processing, exception rates, return rates and settlement timeliness.
• Develop requirements and acceptance criteria for ACH use cases, including origination, incoming processing, returns, Notifications of Change (NOCs), reversals and same-day ACH.
• Translate National Automated Clearing House Association (NACHA) rule updates and regulatory changes into actionable product requirements, controls and implementation plans.
• Lead cross-functional discovery and delivery with engineering, architecture, risk, compliance, operations and client-facing teams.
• Own ACH exception and decisioning experiences, including workflows for pay and return decisions, NOC handling and return file outcomes.
• Partner with Application Programming Interface (API) and platform teams to define ACH APIs, event flows and integration patterns with internal and external systems.
• Validate product increments through scenario-based testing and user acceptance, including edge cases across returns, NOCs and settlement windows.
• Responsibilities listed are not intended to be all-inclusive and may be modified as necessary.

Experience you'll need to have:

• 6+ years of experience in product ownership, business analysis or product delivery within payments, banking, fintech or core processing environments.
• 3+ years of hands-on experience with ACH payments, including origination, posting, exceptions, returns, NOCs and settlement operations.
• 3+ years of experience managing product backlogs, writing epics, features and user stories, and defining acceptance criteria for technology delivery teams.
• 3+ years of experience applying NACHA operating rules and governance expectations to ACH processing, controls and product requirements.
• Experience collaborating with compliance and risk stakeholders on ACH controls related to Regulation E (Reg E), Office of Foreign Assets Control (OFAC) requirements, fraud considerations and operational risk.
• Experience using operational and product metrics to prioritize enhancements, investigate defects and improve product reliability.
• Bachelor’s Degree or higher in Business, Finance, Information Technology or a related field, or equivalent combination of education, related experience and/or military experience.

Experience that would be great to have:

• Experience with Finxact ACH concepts and configuration patterns, including network ACH controls and return or NOC behaviors.
• Familiarity with API-based product ecosystems and tools such as Postman for workflow validation.
• Understanding of Originating Depository Financial Institution (ODFI) and Receiving Depository Financial Institution (RDFI) roles, Standard Entry Class (SEC) codes, prenotes, same-day ACH constraints and settlement risk considerations.
• Experience supporting go-to-market readiness through internal enablement, implementation guidance and product documentation.

How you'll work:

• This role is on-site Monday through Friday. Fiserv considers in-person collaboration to be an essential part of this role as in-person office experiences help you with your overall onboarding experience and leads to stronger productivity.
• This role requires use of a computer and audio equipment.
• You will work an assigned schedule of Monday through Friday, 8:00 a.m. to 5:00 p.m.

Travel:

This role requires occasional travel (up to 10%).

Sponsorship:

You must currently possess valid and unrestricted U.S. work authorization to be considered for this role. Individuals with temporary visas including, but not limited to, F-1 (OPT, CPT, STEM), H-1B, H-2, or TN, or any candidate requiring sponsorship, now or in the future, will not be considered for this role.

Benefits at Fiserv:

• Fuel Your Life program to support your physical, financial, social, and emotional well-being.
• Paid holidays and generous time away policies.
• No-cost mental health support through Employee Assistance Programs.
• Living Proof program to recognize your peers’ extra effort with points redeemable for rewards.
• Eight Employee Resource Groups to foster a collaborative culture and expand your network.
• Unparalleled professional growth with training, development, and internal mobility opportunities.
• Medical, dental, vision, life, and disability insurance options available from day one.
• Retirement planning including 401k match and discounted shares with the Employee Stock Purchase Plan.
• Tuition assistance and reimbursement program.
• Paid parental and military leave.

This role is not eligible to be performed in Colorado, California, District of Columbia, Hawaii, Illinois, Massachusetts, Maryland, Minnesota, New Jersey, New York, Nevada, Rhode Island, Vermont, Virginia, Maine or Washington.

It is unlawful to discriminate against a prospective employee due to the individual's status as a veteran.

Please note that salary ranges provided for this role on external job boards are salary estimates made by outside parties and may not be accurate.

Thank you for considering employment with Fiserv.  Please:

• Apply using your legal name
• Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable).

Our commitment to Equal Opportunity:

Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law. 

If you have a disability and require a reasonable accommodation in completing a job application or otherwise participating in the overall hiring process, please contact [email protected]. Please note our AskHR representatives do not have visibility to your application status. Current associates who require a workplace accommodation should refer to Fiserv’s Disability Accommodation Policy for additional information.

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Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions.

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