Payment Specialist (Bilingual English and Spanish)

Payments Specialist

Sparks Group has partnered with a financial services organization and together we are seeking a bilingual (English and Spanish) Payments Specialist to support day-to-day electronic payment operations, including ACH, wire transfers, in-clearing transactions, remote deposit capture, and debit card processing. This role supports smooth payment operations, fraud prevention, regulatory compliance, and timely member support. The ideal candidate brings strong attention to detail, experience in electronic payments, and the ability to collaborate effectively across teams while delivering exceptional service.

Responsibilities

• Support all electronic payment channels including ACH, wire transfers, in-clearing payments, debit card transactions, and remote deposit items.
• Conduct verification checks for high-value transactions and secure required approvals.
• Process and review domestic and international wire transfers in accordance with industry regulations (CIP, NACHA, SWIFT, Federal Reserve).
• Investigate wire delays, rejections, recalls, and work directly with external banks and vendor partners for resolution.
• Monitor for unusual or suspicious transaction activity and escalate potential fraud.
• Reconcile ACH exceptions, returns, reversals, and non-posted items.
• Review remote deposit capture (RDC) activity, flag potential fraud, and resolve discrepancies.
• Support debit card operations including lost/stolen card processing, reissues, vendor coordination, and resolution of declined/failed transactions.
• Coordinate with fraud and accounting teams to support investigations and ensure accurate settlements.
• Assist with system updates, testing, troubleshooting, and business continuity/disaster recovery exercises.
• Handle payment-related inquiries via phone or email and provide clear, timely resolutions.
• Analyze flagged transactions for suspicious patterns and contribute to fraud prevention efforts.
• Provide support to leadership on special projects or operational enhancements.

Qualifications/Background Profile

• High school diploma or GED required; college coursework preferred.
• Minimum 2 years of experience in financial services, specifically in electronic payments, ACH, wires, debit card services, remote deposit, or similar functions.
• Strong organizational, analytical, and problem-solving skills.
• Ability to multitask, prioritize shifting demands, and work effectively in a fast-paced environment.
• Proficiency with Microsoft Office and comfort navigating multiple systems.
• Strong communication skills in English and Spanish (required).
• Ability to work independently, collaboratively, and in remote or onsite settings.
• Commitment to professionalism, confidentiality, and exceptional service.

This job is Hybrid Remote. Pay Range: Hourly $27.00 to $30.00. We offer several comprehensive benefits package including health and life insurance, paid and unpaid time off, and retirement and savings plans to qualifying employees.

Sparks Group is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, pregnancy, citizenship, family status, genetic information, disability, or protect veteran status.