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 and 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 hybrid (Mon through Thu on-site / Fri remote) for candidates in the Kansas City metropolitan area and open to qualified remote candidates outside of the Kansas City area.  However, the remote location must be within the US.  The work schedule is Monday through Friday, 9:30 – 6:00 PM with 30-min lunch break or 9:00 – 6:00 PM with an hour lunch break.

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 review. 

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.

Deadline to apply: July 20, 2026

Compensation Range:

The posted compensation range on this listing represents UMB’s standard for this role, but the actual compensation may vary by geographic location, experience level, and other job-related factors. In addition, this range does not encompass the full earning potential for this role. 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.

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