**Description** **Location:** On site at location(s) listed on job posting. Role can be worked in offices within the company's footprint. **SUMMARY:** The TM Risk Analyst is responsible for identifying, assessing, monitoring, and mitigating risks associated with the Automated Clearing House (ACH) client portfolio at First Horizon Bank. This role supports compliance with regulatory requirements, internal policies, and external standards, ensuring that the bank provides a secure and reliable ACH environment for our associates and clients. **ESSENTIAL DUTIES AND RESPONSIBILITIES:** 1. Analyze ACH transactions and client activity to identify patterns and trends indicative of potential fraud, operational errors, or regulatory risk. 2. Review new client ACH set-ups, underwriting and changes for policy compliance. 3. Review and evaluate existing ACH processes and controls, recommending changes or enhancements to mitigate risk. 4. Monitor client ACH exposure limits and origination activity, escalating concerns to management. 5. Collaborate with associates across departments, including TM Product, TM Sales, Operations, Compliance, Credit and Technology, to promote effective ACH risk management practices. 6. Aid in the investigation and resolution of suspicious or unusual ACH activity, coordinating with Fraud, Compliance, and Client Services teams as needed. 7. Support periodic ACH risk assessments, audits, and regulatory exams. 8. Maintain in-depth knowledge of NACHA operating rules, and relevant federal and state banking regulations. 9. Provide training and guidance to internal associates on ACH risk controls and best practices. 10. Prepare, analyze, and distribute ACH risk management reports to management and other stakeholders. 11. Stay current on industry trends, emerging risks, and best practices related to ACH and electronic payments. _To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions._ **QUALIFICATIONS:** + Bachelor degree, Associate degree and 2 years of experience or a minimum of 4 years related experience + Subject matter expertise in one or more Treasury Management payment and deposit services (ACH, Lockbox, Purchasing Card, Remote Deposit Capture, online banking), with preference for ACH. + Strong time management and organizational skills evidenced in previous assignments + Thorough knowledge of Microsoft products and keyboarding skills + Self-starter, works with minimal direction + Strong verbal and written communication skills + Interpersonal skills and team orientation **SUPERVISORY RESPONSIBILITIES:** None. **CONTROL RELATED RESPONSIBILITIES:** Become knowledgeable regarding the department's internal controls as outlined in the policies and procedures and comply with all control requirements. **COMPLIANCE:** Ability to comprehend and adhere to Federal and State banking regulations, including compliance with the Bank’s Bank Secrecy Act/Anti Money Laundering (BSA/AML) program. Follows all Company policies and procedures, and successfully participates in regulatory and Company training requirements via multiple and variable delivery methods. **COMMITMENT TO INSTITUTIONAL COMPLIANCE AND SOUNDNESS** Displays commitment to ensuring compliance with regulatory regulations through: + adhering to regulatory requirements + monitoring and reporting BSA/AML risks + completing assigned compliance training courses **SAFETY, SECURITY and CONFIDENTIALITY:** This position requires keeping complete confidentiality of all customer transactions and information, and paying close attention to security within and around the bank's premises at all times. _The physical demands, travel and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions._ **PHYSICAL DEMANDS:** While performing the duties of this job, the employee is regularly required to use hands to finger, handle or feel; reach with hands and arms; and talk or hear. The employee frequently is required to sit. This position regularly uses a computer (keyboard/mouse/screen) and telephone. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, and ability to adjust focus. **TRAVEL:** Work includes minimal travel. **WORK** **ENVIRONMENT:** The work is performed in a normal office environment. The noise level in the work environment is usually low to moderate. **About Us** First Horizon Corporation is a leading regional financial services company, dedicated to helping our clients, communities and associates unlock their full potential with capital and counsel. Headquartered in Memphis, TN, the banking subsidiary First Horizon Bank operates in 12 states across the southern U.S. The Company and its subsidiaries offer commercial, private banking, consumer, small business, wealth and trust management, retail brokerage, capital markets, fixed income, and mortgage banking services. First Horizon has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. More information is available at www.FirstHorizon.com (https://urldefense.com/v3/\_\_https:/www.firsthorizon.com/\_\_;!!Cz2fjcuE!hpq9hPnrucZCPIAVPojVESItIq-FPzhurNdCrQ3JE8Rkx3gMd70nIk6\_kmPxl66\_oJCEsXs0gNunPowMAMHCmBYPOtUxUGI$) . **Benefit Highlights** • Medical with wellness incentives, dental, and vision • HSA with company match • Maternity and parental leave • Tuition reimbursement • Mentor program • 401(k) with 6% match • More -- FirstHorizon.com/First-Horizon-National-Corporation/Careers/Our-Benefits **Follow Us** Facebook (https://www.facebook.com/FirstHorizonBank) X formerly Twitter LinkedIn (http://www.linkedin.com/company/first-horizon-bank) Instagram YouTube (https://www.youtube.com/channel/UCEVs5OMj-b0H9Dr5Q209\_-Q) Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights (https://www.eeoc.gov/poster) notice from the Department of Labor.