Payments Analyst

Payments Analyst is responsible for processing payments, including incoming and outgoing wires to and from the Federal Reserve Bank, ACH processing, and debit card payments and disputes. Essential Job Functions Analyze disputes from deposit clients pertaining to errors on transactions related to Debit Cards, ACH, ATMs, or Zelle. Process disputes in accordance with Regulation E, Red Flag Rules, UDAAP, Visa Rules, Nacha Rules, and other banking regulations as applicable. Report fraud to networks or association, generating charge‑backs, and process merchants’ re‑presentments. Assist with Instant Issue card program. Generate General Ledger entries to correct cardholders’ accounts and update respective accounts for corporate accounting. Assist with Daily and Monthly account reconcilements. Assist associates and cardholders with disputes or card‑troubleshooting. Communicate with Merchants to investigate disputes. Occasionally, process outgoing ACH files; process incoming and outgoing wires and follow up with the branch; provide wiring instructions to attorneys, county or city officials, and other customers who need to send wires to the bank; or contact representative(s) at other financial institutions to resolve problems with wires from their company, or question wires that may be fraudulent. Job Requirements High school diploma or equivalent or related work experience required; Associate’s degree preferred. Knowledge/Skills Required Basic understanding of Microsoft Excel preferred. Basic understanding of debits, credits, and general ledger accounts. General banking knowledge. Excellent customer service skills. Strong verbal and written communication skills. High level of attention to detail, with strong problem‑solving and organizational skills. Ability to perform effectively and maintain accuracy in a fast‑paced environment. Knowledge of National Automated Clearing House Association (NACHA) rules preferred. Knowledge of Regulation E (Reg E) rules and procedures preferred. Experience with Fiserv Products preferred. Physical and Mental Qualifications Standing, walking, bending and stooping required. Must be able to sit at a desk for long periods of time and use a computer. Must be able to occasionally move or lift up to 10 pounds. May be asked to work supplemental hours periodically. Limited travel required during and after business hours. Hourly Pay Range: $12.05 - $18.85 per hour Benefits: Eligible associates may participate in Carter Bank’s benefits package, including medical, dental, vision, life insurance, disability coverage, other voluntary benefits, 401(k), paid time off, and paid holidays. #J-18808-Ljbffr