Cognizant · 5 hours ago
Automated Clearing House (ACH) Consultant- Onsite
Atlanta, GA
Full-time
Onsite
Mid, Senior LevelCognizant is a leading provider of information technology, consulting, and business process outsourcing services. The ACH Consultant will ensure the quality and compliance of ACH processing, design automated test plans, and validate payment messages across various standards.
ConsultingIndustrial AutomationInformation TechnologySoftwareSoftware Engineering
No H1B
U.S. Citizen Only
Responsibilities
Ensure the quality, compliance, and resilience of ACH processing across NACHA and ISO 20022 rails
You’ll design automated test plans that validate NACHA file format (File/Batch/Entry/Addenda) and ISO 20022 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
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
ISO 20022: 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 ↔ ISO 20022 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
Positive Pay & Debit Filters (Risk Controls)
Design tests for ACH Positive Pay rules:
Company ID whitelists/blacklists, authorized SEC code scopes, amount limits, frequency/velocity, effective date ranges, and account-level entitlements
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
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)
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
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
Qualification
Required
Hands on ACH expertise (ODFI/RDFI, IAT, returns/NOC, micro-entries, same day ACH)
Proficiency in NACHA Operating Rules & Guidelines and ISO 20022 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
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
Benefits
Medical/Dental/Vision/Life Insurance
Paid holidays plus Paid Time Off
401(k) plan and contributions
Long-term/Short-term Disability
Paid Parental Leave
Employee Stock Purchase Plan
Company
Cognizant
Cognizant is a professional services company that helps clients alter their business, operating, and technology models for the digital era.
Founded in 1994
10001+ employees
Funding
Current Stage
Public CompanyTotal Funding
$0.24MKey Investors
Summit Financial Wealth Advisors
2025-03-08Post Ipo Equity
2016-11-18Post Ipo Equity· $0.24M
1998-06-19IPO
Leadership Team
Ravi Kumar S
Chief Executive Officer
Anil Cheriyan
CTO / EVP Strategy & Technology
Recent News
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