Wire Transfers & Payments Specialist

Job Description

Job Description

Description:

If you are someone wanting to make a difference in the communities that we serve and join the strongest large bank in Kansas City, then Security Bank of Kansas City has a career for you. In addition to our compensation and benefits packages, Security Bank offers full-time employees 11 paid holidays, rewarding and challenging growth opportunities, generous paid time off and discounted banking services.

Position Summary:

The Wire Transfers & Payments Specialist for Security Bank of Kansas City is responsible for the accurate, timely, and secure processing of domestic and international wire transfers, electronic payments, and related banking transactions. This position is ideal for an early-career professional or someone transitioning into financial operations. This position serves as a key operational resource for customers, lenders, relationship managers, and Retail personnel while ensuring transactions comply with Bank policies, regulatory requirements, and applicable payment-network rules.

Essential Duties & Responsibilities

The duties include but are not limited to the following:

• Process incoming and outgoing domestic and international wire transfers accurately within established deadlines.
• Review wire requests for completeness, authorization, account information, and adherence to Bank policies and procedures.
• Verify customer and transaction information and perform required callbacks or authentication procedures.
• Monitor and manage wire queues, exceptions, rejects, returns, and corrections.
• Research and resolve wire discrepancies and payment-related inquiries.
• Process wire amendments, cancellations, recalls, and returns in accordance with applicable procedures.
• Coordinate with correspondent banks, financial institutions, banking centers, third-party vendors, and customers to resolve payment issues.
• Maintain accurate documentation, reports, and transactions records.
• Process and monitor various electronic payment transactions which may include ACH, internal transfers, official checks, cashier’s checks, FedNow, RTP, and other payment services offered by the Bank.
• Review transactions for completeness, accuracy, and compliance with established controls.
• Research and resolve ACH returns, exceptions, rejects, and other payment discrepancies.
• Assist with payment investigations, adjustments, and customer inquiries.
• Meet daily processing deadlines and service-level expectations.
• Follow established procedures designed to prevent fraud, errors, and unauthorized transactions.
• Review transactions for potential fraud, unusual activity, or other risk indicators and escalate concerns appropriately.
• Follow applicable requirements related to Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Office of Foreign Assets Control (OFAC), and other applicable regulations.
• Maintain appropriate confidentiality and safeguard customer and Bank information.
• Complete required documentation and maintain appropriate audit trails.
• Provide professional and responsive service to customers and Bank employees regarding wire transfers and payment services.
• Additional duties/tasks as assigned.

Required Skills & Abilities:

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, skills, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Integrity and Confidentiality
• Customer-Focused
• Strong Communication Skills
• Team Collaboration
• Attention to Detail and Organizational Skills

Minimum Education & Experience:

• High school diploma or equivalent required; Associate’s or Bachelor’s degree in Business, Finance, or a related field preferred.
• 0-2 years of banking, financial services, deposit operations, payment processing, or related experience preferred.
• Knowledge of domestic and/or international wire transfers, ACH, and other electronic payments strongly desired.

Valued, but not required skills & experience:

• Strong analytical and problem-solving skills with attention to detail.
• Excellent written and verbal communication skills.
• Ability to prioritize multiple tasks and meet time-sensitive processing deadlines.
• Proficiency with Microsoft Office and wire payment platforms.
• Strong customer service orientation with ability to handle sensitive issues professionally.

Physical Demands & Work Environment

The physical demands and work environment characteristics described here are representative of those that must be met by the employee to successfully perform the essential functions of this job. Reasonable accommodation 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 walk, talk, see and hear. The general level of physical activity would be defined as sedentary. The employee is occasionally required to stand and frequently required to sit; use hands to finger, handle, or feel; reach with hands and arms. Some movements of the hands, arms, and wrists may involve repetitive motions. Specific vision abilities required by this job include close vision, distance vision, color vision, depth perception, and ability to adjust focus. Regular attendance and punctuality are necessary and essential functions.
• Cognitive/Mental Requirements: While performing the duties of this job, the employee is required to comprehend and use basic language, either written or spoken, to communicate information and ideas, both simple and complex. The employee is also required to use logic to define problems, collect information, establish facts, draw valid conclusions, interpret information and deal with abstract variables for unique or unfamiliar situations; also requires use of problem-solving skills including formulating and applying appropriate course of action for routine or familiar situations. The employee may be required to perform numerical operations including basic counting, adding, subtracting, multiplying and dividing or more complex quantitative calculations. 
• Work Environment: While performing the duties of this job, the employee is inside a central heat and air-conditioned office building. The noise level in the work environment is minimal.

Other Information:

Statements included in this job description are intended to describe the general nature and level of work performed by the employee(s) assigned to this job. The statements are not intended to be construed as an exhaustive list of responsibilities, duties and skills required.

Accommodations will be made to allow for meeting requirements when it does not place an "undue hardship" on Security Bank of Kansas City.

Security Bank of Kansas City is an Equal Opportunity / Affirmative Action employer.