ACH Product Director

Ally and Your Career

Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?

Work Schedule: Ally designates roles as (1) fully on-site, (2) hybrid, or (3) fully remote. Hybrid roles are generally expected to be in the office a certain number of days per week as indicated by your manager. Your hiring manager will discuss this role's specific work requirements with you during the hiring process. All work requirements are subject to change at any time based on leader discretion and/or business need.

The Opportunity

In office role with hybrid schedule. Ally work location is either Charlotte NC or Lewisville TX. At this time, Ally will not sponsor a new applicant for employment authorization for this position.

The ACH Product Director role offers the chance to shape the direction of the bank’s ACH payment services, a critical component of commercial and consumer money movement. You will help define the product vision, strategy, and roadmap, ensuring ACH offerings remain competitive, compliant, resilient, and aligned with customer needs. This opportunity positions you as the voice of the customer, a strategic leader who translates market trends, regulatory shifts, and landscape demands into actionable improvements and new capabilities.

You will also play a key role in guiding the evolution of ACH capabilities at Ally through collaboration with technology, operations, risk, treasury, and other partners, enabling the bank to deliver secure, scalable, and high‑quality payment solutions.

The Work Itself

• Own the strategy, value proposition, and customer experience for the bank’s ACH payment products, ensuring they remain competitive, compliant, resilient, and aligned with customer needs.
• Drive ongoing product innovation by identifying emerging client needs, market trends, regulatory changes, and technology opportunities within the ACH ecosystem.
• Develop recommendations for new ACH capabilities, enhancements, and operational improvements, leveraging discovery activities and feedback from business partner teams.
• Drive growth of ACH payment volumes and revenue through improved onboarding, friction reduction, customer enablement, and cross‑sell of complementary payment services.
• Analyze competitive intelligence, industry research, and ACH network behaviors to identify trends, customer pain points, and opportunities for product enhancement.
• Manage the full lifecycle of ACH product development and enhancements, from ideation and requirements definition through delivery, rollout, and post‑launch evaluation.
• Lead complex ACH initiatives through all stages, including business case development, financial analysis, writing requirements, and coordinating execution across technology, operations, and compliance.
• Work across partner teams including Technology, Operations, Treasury, Finance, Marketing, and Risk to ensure ACH products maintain consistency, reliability, and alignment with business strategy.
• Ensure strong risk management and full regulatory alignment, including adherence to NACHA rules, internal controls, and evolving payment‑related regulations.

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• Serve as the business SME for ACH processing, settlement, exception handling, file formats, and related bank policies and procedures.
• Partner with analytics and finance teams to monitor and report on key performance indicators - cost, risk posture, reliability, adoption, and operational efficiency - to inform ongoing product decisions.
  
  

Minimum Qualifications

The Skills You Bring

• 9+ years of relevant experience or equivalent combination of education and experience
• High school Diploma or GED equivalent
  
  

Preferred Qualifications

• The individual should hold (or be actively pursuing) the Accredited ACH Professional (AAP) or Accredited Payments Risk Professional (APRP) certification to demonstrate deep expertise in ACH operations, compliance and risk management.
• Experience working with compliance, regulatory requirements, and NACHA operating rules, demonstrating capability to ensure products remain safe, compliant, and aligned with evolving expectations.
• Technical familiarity with ACH file formats, integration requirements, API‑driven payment flows, or payment rail modernization initiatives, supporting effective collaboration with Technology and Operations teams.
• 7+ years of experience in financial services, 5+ years in product management, project management or marketing experience preferred.
• Bachelor's degree in Business, Finance or equivalent background preferred.

Discover our full range of relocation jobs with comprehensive support packages to help you relocate and settle in your new location.

• Master's degree preferred.
• Ability to manage all aspects of a complex partnership with a third-party vendor.
• Strong partnership focus; prior success with indirect leadership of all levels - up, down, and peer partners.
• Proven ability to work well with banking operations and information technology teams.
• Customer-centric focus to product management; puts a priority on creating a premium customer experience.
• Ability to work at a very detailed level, as well as synthesize and present key action items / insights.
• Financial planning and quantitative skills with experience in P-L management preferred.
• Knowledge of banking regulations and compliance and its product implications.
• Proficient in MS Office applications which include Outlook, Word, Excel, and PowerPoint.
• Excellent presentation and written communication skills.
• Strong analytical skills.
• Highly organized and detail oriented.
• Thrives in a dynamic environment - no standard day.
  
  

How We'll Have Your Back

Interested in relocating to United State? Check out our comprehensive Relocation Jobs in United State page with detailed relocation packages and benefits.

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. Our Total Rewards program includes industry-leading compensation and benefits plus additional incentives that are designed to meet your needs and those of your family so you can get the most out of your career and your life, including:

• Time Away: Program starts at 20 paid time off days in addition to 11 paid holidays and 8 hours of volunteer time off yearly (time off days are prorated based on start date and program varies based on full or part-time status and management level).
• Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan pay downs and 529 educational save up assistance programs, tuition reimbursement, employee stock purchase plan, and financial learning center and financial coach access.
• Supporting your Health & Well-being: flexible health and insurance options including medical, dental and vision, employee, spouse and child life insurance, short- and long-term disability, pre-tax Health Savings Account with employer contributions, Healthcare FSA, critical illness, accident & hospital indemnity insurance, and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
• Building a Family: adoption, surrogacy and fertility assistance as well as paid parental and caregiver leave, Dependent Day Care FSA back-up child and adult/elder care days and childcare discounts.
• Work-Life Integration: other benefits including Mentally Fit Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.
• Other compensations: depending on the role for which you are considered, you may be eligible for travel allowances, relocation assistance, a signing bonus and/or equity.
• To view more detailed information about Ally’s Total Rewards, please visit this link: https://www.ally.com/content/dam/pdf/corporate/ally-total-rewards-snapshot.pdf
  
  

Who We Are:

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at hrpolicy@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.

Base Pay Range: $125000 - $190000 USD

An individual's position in the range is determined by the specific role, the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.

Incentive Compensation: This position is eligible to participate in our annual incentive plan.