Payment Specialist

Live here. Play here. Bank here. Work here. If you’re looking to build your career at a forward-thinking organization with deep community roots and a vision for growth, success, and giving back, you’ve come to the right place. Get To Know Us We’re your local community bank—and have been since 1875—that is committed to providing excellent customer service and giving back to our communities. We foster a collaborative, inclusive work environment as part of a close-knit team where your voice is valued and heard. Our highly engaged employees are rewarded for their performance and have ample opportunities for cross‑training and advancement within the organization. We’ve been named one of the best places to work in Maine, and offer robust benefits focused on your holistic well‑being. Position Summary The Payments Specialist will display mastery of day‑to‑day department functions such as maintenance, report review, and payment processing. This position supports our customers, and the payments growth of the bank, and will work closely with Treasury, Commercial, Finance, Lending and Wealth Teams. General responsibilities of the Payments Specialist will include customer service, Wire Processing (Incoming, Outgoing, Domestic and International), ACH processing, funds transfer setup and maintenance, reconcilements, research, troubleshooting, and vendor relations. Essential Duties And Responsibilities Process all wire transfers accurately, and within department SLAs, adhering to policy and procedure – including international and domestic wires (incoming and outgoing). Process foreign currency transfers through corresponding banks. Process all ACH files accurately, within department SLAs and adhering to policy and procedure, including Incoming ACH, ACH Returns & Corrections, ACH Originations, Micro Deposits and Monthly Fees. Understand the risk involved in ACH and Wire payments, and applicable rules and regulations – including for both consumer and business customers and transactions. Assist in gathering Wire and ACH payments data for all audit activities, risk assessments, and any other applicable risk and compliance activities. Assist in projects to improve daily functions, including creating improved workflows, process improvements, and system testing. Prove and reconcile multiple internal accounts daily, including a master daily balance proof, as well as payment proofs for ancillary services such as Bill Pay and Zelle. Assist banking centers, other employees in the bank and customers with questions regarding Payments, including callbacks to verify wire information. Prepare procedures for functions if a procedure is not already available. Review Wires and ACH for OFAC and send to compliance for approval. Identify opportunities to innovate and process improve with the customer top of mind. Research requests both internally and externally, regarding Payment processing and transactions. Scan AFT and EFT forms, and all Wire Documentation, to the system to upload to customers’ accounts, showing mastery of our document imaging system. Carefully monitor transactions and activity for fraud, escalating to the Fraud Team as needed. Cross train and serve as a back‑up in other areas of the department as required. Basic Qualifications High school diploma or general education degree (GED). Preferred Qualifications 1 to 3 years of banking, similar or relatable experience. Skills And Abilities Effective verbal and written communication skills. Effectively use technology to perform daily activities and service customers. Ability to work successfully in a team environment and independently. Collaborate with team members to complete department functions effectively. Top‑notch attention to detail skills to maintain the highest level of accuracy when handling daily functions. Outstanding customer service. Maintain a level of discretion and confidentiality while dealing with sensitive customer information. Supervisory Skills This job has no supervisory responsibilities. The statements contained herein reflect general details as necessary to describe the principle functions for this job, the level of knowledge and skill typically required, and the scope of responsibility, but should not be considered an all‑inclusive listing of work requirements. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or to equalize peak work periods to balance workloads. Benefits Robust medical, dental, and vision insurance packages. Generous time off, including paid federal holidays and paid day off for your birthday. 401(k) retirement savings plan. Tuition reimbursement, professional development, and career growth opportunities. Employee assistance program. Comprehensive wellness program. Pursue a career at Camden National Bank and apply today . We can’t wait to hear from you! Core Values Honest and Integrity above all else. Trust built on fairness. Service that creates remarkable experiences. Responsibility to use our resources for the greater good. Excellence through hard work and lifelong learning. Diversity realized through inclusion and respect. Equal Opportunity Employer Employment with Camden National is on an at‑will basis, meaning employment is not guaranteed for any specific period of time, and any employment relationship established may be terminated by either party at any time, for any reason, with or without notice. Completion of an employment application is not a contract, express or implied, guaranteeing employment. Camden National Bank is an Equal Opportunity Employer and does not discriminate on the grounds of race, color, religion, sex, sexual orientation, including gender identity and gender expression, national origin, citizenship status, age, disability, genetic information or veteran status. Learn more about why employees love working at Camden National Bank! About the company Camden National Bank #J-18808-Ljbffr