Bank Payments Processing Specialist Mid - Level

Job ID

R0117538

Date posted

06/02/2026

Why USAA?

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

The Opportunity

As a dedicated Bank Payments Processing Specialist Mid-Level -Sensitive Profile , youwill, within defined guidelines and regulatory framework, perform services for deposit processing, paymentexceptionand monetary adjustments. Processes specialized and routine back-office payment transactions, often in coordination with other institutions, to include paper, electronic, and deposits.Researchand resolves payment issues, payment exceptions, and monetary adjustments across all payment channels including ACH (Automated Clearing House) and wires.

This job profile isdesignatedas a Sensitive Position. Sensitive Positions are those positions in which individuals have the authority and ability to conduct in-scope activities (movement of USAA or Member funds) as defined within the Enterprise Sensitive Positions Mandatory Time-Away Compliance Policy. Employees in Sensitive Positionsare required tofulfill a Mandatory Time-Away (MTA) requirement of 10 consecutive business days each calendar year.

• This position requires several hours of inbound calls per day, and outbound calls as needed.

We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, or Tampa Crosstown, FL. Relocationassistanceis not available for this position.

What you'll do

• Applies advanced knowledge of policies, processes, industry practices,systemsand/or equipment to open and/or process payments received through various payment systems.

• Processes bank payments such as reconciling monetary transactions and processing general ledger transactionsin accordance withestablished procedures and service level agreements.

• Reviews moderately complex account transactions for exceptions processing and follows documented procedures to help determineappropriate actionsfor bank-to-bank adjustments and/or member requested changesin accordance withregulatory guidelines.

• Serves as a first line of defense for fraud or suspicious transaction activities for all monetary to include Zelle, ACH, wires, deposits,paperand electronic payment transactions;submitsFraud Referral and/or notifies process owner when suspicious transactions are detected.

• As an end-user,it supportsinternal financial and payment systems, tools, and technologies to ensure they are in working order. Escalates and reports issues or system defects asappropriate.

• Applies strong knowledge toassiston projects, as needed, to include technical systems upgrades, application changes, new product integration, etc.

• Collaboratewith process owner and business partner in documenting process maps and procedures for key processes and may make recommendations for process improvements.

• Occasionally,communicationswith Federal Reserve, NACHA, and other financial or governing institutions for research and resolution through various channels.

• Serves as a resource to less experienced team members on escalated issues of a routine nature.

• Ensurerisks associated with business activities are effectivelyidentified, measured,monitored, and controlledin accordance withrisk and compliance policies and procedures.

What you have

• High School Diploma OR General Equivalency Diploma.

• 2 years of experience in bank payments processing includingallthe following: exceptions processing, bank to bank adjustments, ACH / wires, and research and resolution for member accounts.

• Proficient knowledge of the monetary flow of banking transactions to include general ledger exceptions and outages.

• Experience working with external regulating institutions and other banks todecidenecessary monetary adjustments.

• Advanced problem solving and analytical skills.

• Advanced knowledge of ACH, reg E, reg Z, bank adjustment, and other relevant payments processing regulations.

• Demonstrated experience using payments processing software and applications such as FIS, FISERV, Pep+, etc.

• Proficient knowledge of Microsoft Office applications.

What sets you apart

• 2 years of experience in bank payment wire processing.

• Volpaysystems experience.

• Enterprise Worklist knowledge/experience.

• Current member contact experience.

• Current inbound/outbound member experience.

• US military experience through military service or a military spouse/domestic partner.

Compensation range: The salary range for this position is: $43,680 - $76,610 .

USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).

Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.

USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.