Payment Operations Specialist

Responsibilities Execute and monitor daily payment operations across multiple channels (ACH, wires, cards, RTP, checks, etc.) Validate and process payment instructions in accordance with internal policies and regulatory requirements Investigate and resolve payment exceptions, rejects, and returns Support the back‑office payment operations on settlement and posting Perform daily general ledger (GL) balancing and ensure alignment between sub‑ledgers, systems, and bank accounts Investigate and resolve out‑of‑balance conditions and discrepancies Support deposit operations activities including postings, adjustments, and maintenance Process returns, adjustments, chargebacks, and corrections Ensure end‑of‑day and intraday balancing across systems Monitor settlement and clearing accounts Support month‑end close processes and GL certification Perform daily reconciliations of payments and deposit systems Identify discrepancies and resolve exceptions Prepare operational and financial reports Maintain audit‑ready documentation Ensure adherence to NACHA, Reg E, PCI, AML/KYC requirements Monitor transactions for fraud and elevate concerns Support audits and maintain strong internal controls Serve as a point of contact for payment and deposit inquiries Collaborate with internal teams including Finance, Treasury, and Risk Provide timely updates on issue resolution Identify opportunities to streamline workflows Support automation initiatives Maintain SOPs and process documentation Perform other duties as assigned. Requirements High school diploma and at least 3 years of experience in banking/financial and deposit services. Bachelor’s degree in finance, Accounting, Business, or related field preferred. 3–5 years of experience in payment or deposit operations. Strong understanding of GL processes and reconciliations. Proficiency in Microsoft Excel. Core Competencies Demonstrates expertise in payment operations, including ACH, wires, and card transactions, while ensuring compliance with regulatory requirements such as NACHA and AML/KYC. Proficient in general ledger processes, reconciliations, and financial reporting, with a strong focus on internal controls and process documentation. #J-18808-Ljbffr