FC Global Services India LLP (First Citizens India), a part of First Citizens BancShares, Inc., a top 20 U.S. financial institution, is a global capability center (GCC) based in Bengaluru. Our India-based teams benefit from the company’s over 125-year legacy of strength and stability. First Citizens India is responsible for delivering value and managing risks for our lines of business. We are particularly proud of our strong, relationship-driven culture and our long-term approach, which are deeply ingrained in our talented workforce. This is evident across all key areas of our operations, including Technology, Enterprise Operations, Finance, Cybersecurity, Risk Management, and Credit Administration. We are seeking talented individuals to join us in our mission of providing solutions fit for our clients’ greatest ambitions.
Value Preposition
- Frontline exposure to US payment systems – Join a team that plays a critical role in managing high value ACH transactions for one of the largest US banks. Work directly on high value ACH transactions gaining in depth exposure to US payment systems.
- High-Impact, Collaborative Role – Contribute to critical operations while partnering with cross functions teams like tech to enhance process efficiency and payment security.
Job Details
- Position Title: Senior Analyst
- Career Level: P2
- Job Category: Senior Associate
- Role Type: Hybrid
- Job Location: Bangalore
About The Team
The ACH operations team represents a rapidly scaling center of excellence, spearheading mission critical, high throughput payment processing with precision and regulatory rigor. We operate with synergistic, control focused ecosystem that champions continuous process optimization and operational resilience. Team members engage in high stakes stakeholder alignment and strategic execution, This is a unique opportunity to accelerate your career trajectory within a transformation driven innovation centric.
Impact
In this role, the candidate will play a pivotal part in ensuring seamless execution of ACH transaction within a highly regulated, time sensitive environment. They will directly contribute to minimizing operational risk and enhancing end to end process integrity. By leveraging analytical acumen and domain expertise they will support compliance and audit readiness. Their insights will inform process improvements and drivee operational scalability. Ultimately this role will be instrumental in strengthening the banks payments infrastructure and client’s trust.
Key Deliverables
- Execute and validate high-volume inbound and outbound ACH transactions with accuracy and adherence to established timelines and regulatory standards.
- Manage critical functions including Proof of Authorization requests, dispute resolution, ACH onboarding, and Positive Pay (ACH PosPay) processing.
- Facilitate exception handling by analyzing reject files, transaction patterns, and customer account data to determine appropriate resolution paths for return items.
- Ensure timely reconciliation of all rejected transactions by balancing reject files against ACH return file reports, maintaining audit-ready documentation.
- Provide operational support across functional areas as needed, demonstrating agility in managing cross-functional responsibilities.
- Evaluate process inefficiencies and contribute strategic input toward project proposals that enhance operational effectiveness and automation.
- Serve as a frontline control point, proactively investigating system-generated transaction alerts and addressing potential anomalies.
- Support the implementation of robust operational controls in partnership with the manager to mitigate risks and uphold compliance with regulatory frameworks.
- Act as the initial escalation point for junior staff; oversee task delegation, monitor work quality, and ensure timely completion aligned with service-level expectations.
Skills And Qualification
Functional Skills:
- Demonstrates exceptional communication capabilities with ability to present well structured, independent ideas clearly and confidently across all levels of the organization.
- Proficient in both verbal and written communication ensuring clarity, professionalism and consistency in stakeholder interactions.
- Highly detail oriented exhibiting a strong commitment to accuracy and quality in all aspects of work.
- Exercises sound judgment within established policies and procedures, effectively evaluating situations to determine appropriate and timely courses of action.
- Maintains a high level of process adherence, ensuring compliance with operational standards, internal controls ad regulatory requirements.
- Adept at multitasking in a dynamic environment, successfully managing competing priorities and consistently meeting deadlines under pressure.
- Demonstrates strong risk identification and mitigation skills, proactively addressing potential issues to support operational resilience.
- Collaborate effectively across cross functional teams, fostering a culture of accountability, transparency and continuous improvement.
- Poses a strong analytical mindset, capable of interpreting data and tends to support operational decisions and performance optimization.
Technical/Business Skills
- Minimum of 6 years of hands-on experience in ACH operations, with deep expertise in processing, exception handling, and settlement of both inbound and outbound transactions.
- Comprehensive understanding of ACH rules and regulations (e.g., NACHA, Reg E), including compliance requirements, risk management controls, and audit readiness.
- Strong familiarity with regulatory and compliance frameworks relevant to ACH processing, with proven ability to maintain operational controls and ensure adherence to evolving compliance mandates.
- Exposure to other payment rails such as wires & RTP with working knowledge of payment ecosystems and cross-functional interdependencies will be an additional advantage.
- Advanced analytical and reconciliation skills, with the ability to interpret exception items, identify anomalies, and drive timely resolution in high-volume environments.
- Operational proficiency with ACH platforms and core banking systems, including file transmission tools, settlement modules, and payment gateways.
- Skilled in leveraging automation tools, macros, or RPA-based solutions to improve accuracy and reduce turnaround time in transaction processing.
- Strong documentation and process mapping capabilities, with experience in drafting SOPs, workflows, and supporting audit or control testing processes.
- Cross-functional collaboration and communication skills, enabling effective partnership with technology, compliance, and treasury teams for issue resolution and process improvement.
- Demonstrated experience in managing ACH onboarding, proof of authorization, and customer escalations, with a customer-centric approach to operations.
- Leadership and mentoring capabilities, with the ability to guide junior analysts, share best practices, and contribute to team development and knowledge-building initiatives.
- Change management mindset, with the ability to adapt to regulatory or platform changes and lead process enhancements aligned to enterprise goals.
Relationships & Collaboration
- Reports to: Manager / Sr. Manager
- Partners: Stake holders and cross functional teams
Accessibility Needs
We are committed to providing an inclusive and accessible hiring process. If you require accommodations at any stage (e.g. application, interviews, onboarding) please let us know, and we will work with you to ensure a seamless experience.
Equal Employment Opportunity
FC Global Services India LLP (First Citizens India) is an Equal Employment Opportunity Employer. We are committed to fostering an inclusive and accessible environment and prohibit all forms of discrimination on the basis of gender, religion, caste, disability, sexual orientation, economic status or any other characteristics protected by the law. We strive to foster a safe and respectful environment in which all individuals are treated with respect and dignity. Our EEO policy ensures fairness throughout the employee life cycle.
