Automated Clearing House (ACH) Consultant- Onsite

Cognizant (NASDAQ: CTSH) is a leading provider of information technology, consulting, and business process outsourcing services, dedicated to helping the world's leading companies build stronger businesses. Headquartered in Teaneck, New Jersey (U.S.). Cognizant is a member of the NASDAQ-100, the S&P 500, the Forbes Global 1000, and the Fortune 500 and we are among the top performing and fastest growing companies in the world. This position is only open to candidates who do not require visa sponsorship now or in the future. Visa-dependent candidates are not eligible for this role. Atlanta, GA Hybrid Model Responsibilities: Ensure the quality, compliance, and resilience of ACH processing across NACHA and ISO 20022 rails. Youu2019ll 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. This role demands ACH experience at a Financial Institution (operations, settlement, and/or reconciliation), ACH domain depth (including AAP/APRP certifications) plus the ability to understand and translate ISO schemas and business rules into executable test scenarios. Core Responsibilities 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 u2194 ISO 20022 transformations (field mapping, code set equivalence, amount/sign conventions, character sets, remittance structures), including CTX remittance u2194 ISO structured/unstructured remittance (RmtInf) integrity and truncation rules. 2) 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. 3) Lifecycle & Exception Scenarios + Returns: Full set R01u2013R39, dishonored returns (R61u2013R67), 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). 4) 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. 5) 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. ________________________________________ Required Qualifications + 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. Industry Certifications Required (one or both) AAP u2013 Accredited ACH Professional (NACHA): Core ACH rules, formats, risk, and operations proficiency. APRP u2013 Accredited Payments Risk Professional (NACHA): Payments risk framework, fraud controls, TPS oversight, compliance. Application Accepted: 2/15/2026 This position is also eligible for Cognizantu2019s discretionary annual incentive program, based on performance and subject to the terms of Cognizantu2019s applicable plans. Benefits: Cognizant offers the following benefits for this position, subject to applicable eligibility requirements: + 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 Disclaimer: The salary, other compensation, and benefits information is accurate as of the date of this posting. Cognizant reserves the right to modify this information at any time, subject to applicable law. Our strength is built on our ability to work together. Our diverse backgrounds offer different perspectives and new ways of thinking. It encourages lively discussions, creativity, productivity, and helps us build better solutions for our clients. We want someone who thrives in this setting and is inspired to craft meaningful solutions through true collaboration. If you are content with ambiguity, excited by change, and excel through autonomy, weu2019d love to hear from you #LI-AV1#CB#Ind123Cognizant is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to sex, gender identity, sexual orientation, race, color, religion, national origin, disability, protected Veteran status, age, or any other characteristic protected by law.

Created: 2026-01-30