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Full time

R-9638

The EFT Risk Team monitors exposure limits/Overdrafts for ACH and Wire payments, and acts as gatekeeper for Internal Wire Authority requests. Managing the Risk of these tasks helps keep UMB from large losses. This team is essential in ensuring timeliness of processing as well as files/transactions are processed according to UMB's Risk appetite.

As the EFT Risk Specialist, you will focus your work on processing and reviewing Electronic Funds Transfers (EFTs) such as ACH and wires to limit risk for UMB and to ensure all accounts and funds are compliant. You are also responsible for reviewing daily domestic and international wires and ACHs. With the exposure to EFT accounts, this role is vital for risk management with Electronic Funds. This is a subset of the overall responsibilities which will include multiple initiatives assigned by Bank Operations leadership.

This role is fully remote. The work schedule is 11:00 - 8:00 PM CST (1-hr lunch) or 11:30 - 8:00 PM CST (30-min lunch). However, the work schedule during the initial training period (approximately 30-60 days) is 8:30 - 5:00 PM CST.

_How you will spend your time:_

+ Work closely with internal partners to seek approval for proper funding for the Commercial and Institutional accounts.

+ Determine risk with ACH and wire transfers to protect our customers and the UMB organization.

+ Partner with clients and internal partners for account approvals and fund transfers.

+ Work out solutions within the team to help conduct risk reviews.

_We are excited to talk if you have:_

+ At least 1 year of experience in Bank Operations or Cash Management Operations.

+ At least 1 year of experience with one or more payment systems for ACH and/or Wire Transfer, Securities Processing or Portfolio Operations.

_Bonus Points if you have:_

+ ACH Accredited Professional (AAP) Certification

+ Accredited Payments Risk Professional (APRP) Certification

Applicants must have legal authority to work in the United States. Work Visa sponsorship is not available for this position.

This position was posted on 11/05/2026. The application deadline for this position is 45 days from the posting date unless filled earlier.

Compensation Range:

$51,291 - $75,460

_The posted compensation range on this listing represents UMB's good faith and reasonable estimate based on its budget and what it expects to be the starting pay for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. Please see the description of benefits included with this job posting for additional information._

UMB offers competitive and varied benefits to eligible associates, such as Paid Time Off; a 401(k) matching program; annual incentive pay; paid holidays; a comprehensive company sponsored benefit plan including medical, dental, vision, and other insurance coverage; health savings, flexible spending, and dependent care accounts; adoption assistance; an employee assistance program; fitness reimbursement; tuition reimbursement; an associate wellbeing program; an associate emergency fund; and various associate banking benefits. Benefit offerings and eligibility requirements vary.

Are you ready to be part of something more?

You're more than a means to an end-a way to help us meet the bottom line. UMB isn't comprised of workers, but of people who care about their work, one another, and their community. Expect more than the status quo. At UMB, you can expect more heart. You'll be valued for exactly who you are and encouraged to support causes you care about. Expect more trust. We want you to do the right thing, no matter what. And, expect more opportunities. UMBers are known for having multiple careers here and having their voices heard.

_UMB and its affiliates are committed to inclusion and diversity and provide employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex (including gender, pregnancy, sexual orientation, and gender identity), national origin, age, disability, military service, veteran status, genetic information, or any other status protected by applicable federal, state, or local law. If you need accommodation for any part of the employment process because of a disability, please send an e-mail to_ _talentacquisition@umb.com_ _to let us know the nature of your request._

_If you are a California resident, please visit our_ Privacy Notice for California Job Candidates (https://p1.aprimocdn.net/umb/cdbf5f22-8f7a-43b9-bd03-b09f014a39c3/Privacy\_Notice\_for\_California\_Candidates\_Original\_file.pdf) _to understand how we collect and use your personal information when you apply for employment with UMB._

\#LI-MD1

_Who we are_

We are more than a company. We are advisors, consultants, problem solvers, friends, community members, experts, and we are here to help you make the best of every moment with a financial foundation that can help you succeed.

Learn more about UMB's vision (https://p1.aprimocdn.net/umb/8cf58ce2-e9d6-4621-b60a-b09f01638943/UMB\_Tuce\_Book\_Original\_file.pdf)

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