Charles Ellert is Associate Managing Director of ACH Network Development at Nacha, where he focuses on advancing the ACH Network through payment strategy, innovation, and industry collaboration, working across the payments ecosystem to address emerging opportunities and evolving market needs. With more than 20 years of experience, his background spans payment strategy, cybersecurity and financial regulatory compliance, business architecture, and the application of AI to customer experiences across billing, payments, and finance. He previously held leadership roles at Verizon and the Federal Reserve Bank of Cleveland, including responsibility for Pay.gov and strategic initiatives supporting the U.S. Treasury and Federal Reserve.