Functional Specialist (QA)

Themesoft Inc. is a global IT solutions provider and a Woman‑Owned Minority Business Enterprise headquartered in Dallas, TX. With a strong presence across the US, Canada, India, Singapore, and Brazil, we specialize in digital transformation, consulting, and workforce solutions across diverse industries. We are currently looking for a tech-savvy and results-driven professional for one of our leading clients. If you’re passionate about technology and looking to grow in a dynamic, fast-paced environment, this could be the perfect fit for you! Functional Specialist (QA) • Location: Remote • Assignment duration: 1 year • Top 3 must have’s: Knowledge of NACHA or ISO20022, Knowledge as Quality Engineer • Job description: Ensure the quality, compliance, and resilience of ACH processing across NACHA and ISO 20022 rails. You’ll 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 1. 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 ↔ ISO 20022 transformations (field mapping, code set equivalence, amount/sign conventions, character sets, remittance structures), including CTX remittance ↔ ISO structured/unstructured remittance (RmtInf) integrity and truncation rules. 1. 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. 1. Lifecycle & Exception Scenarios • Returns: Full set R01–R39, dishonored returns (R61–R67), 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). 1. 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. 1. 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 – Accredited ACH Professional (NACHA): Core ACH rules, formats, risk, and operations proficiency. APRP – Accredited Payments Risk Professional (NACHA): Payments risk framework, fraud controls, TPS oversight, compliance. Regards, \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ Parthasarathy K Lead Recruiter Work: 972-474-8787 Ext: 306,Direct: 972-737-8607 Partha.k@themesoft.com Themesoft Inc |Themesoft Jobs