Payment Operations Specialist

Description

This position is responsible for accurately performing a variety of duties within the Payment Operations Department which includes ACH, Wires, Return/Exception Item processing, controls for Internal/External Transfers, Item Processing and ATM/Merchant/Remote Deposit Capture. In addition, this position performs lead duties as assigned by the Department Manager.

Essential Functions:

• Provides professional, courteous and efficient service and support to all internal customers.
• Performs daily ACH operational tasks including;

          - Processing non-posted items and notifications of change.

          - Marks and Processes ACH return items.

          - Researches and processes all social security and civil reclamation requests, and death notifications. 

          - Assists the Accounting Department with the ACH reconciliations.

          - Processes customer auto enrollments for social security benefits.

• Performs daily Domestic and Foreign Wire Transfer operational tasks including;

          - Receives and processes wire transfer requests.

          - Verifies/performs quality control.

• Performs quality control for internal and external transfers, monitors daily reports for failed transfers, communicates to appropriate areas and enters requests for cancellation of records.
• Participates in testing of Payment Operations business processes on the core banking system during annual software releases, enhancements and new product development as needed.
• Assists in the creation, review and updating of departmental procedures.
• Performs daily Item Processing operational tasks including;

          - Quality control of all daily images, and correcting items indexed incorrectly.

          - Download and review daily adjustments for daily in clearings, return items and mobile and merchant files works with internal customers to research and correct errors. 

          - Processes daily in clearing (on-us) and FED Day 2 returned check items and processes customer chargebacks.

          - Reviews daily signatures for appropriateness of large dollar on-us checks.

          - Receives all non U.S. Checks from branches and prepares for deposit.

          - Reviews ATM, Mobile and Merchant Capture deposits and accepts/rejects items/deposits.

          - Reviews daily stop payment reports and performs quality control.

• Complies with and stays knowledgeable of federal and state banking regulations, as well as with all bank and department policies and procedures.
• Performs other miscellaneous duties or special assignments as required or assigned.

Other Duties and Responsibilities:

• Maintains required record retention for Wire, ACH and Check processing.
• Attends all required meetings and ongoing training.
• Commitment to ongoing learning.
• Serves on various teams and committees as assigned.

Working Conditions:

• Physical surroundings are generally pleasant and comfortable with protection from weather conditions but not necessarily from temperature changes.
• Extensive operation of computers and other office equipment requiring dexterity and coordination and frequent use of hands.
• Normally seated with freedom of movement on a regular basis.
• Ability to lift up to 15 pounds.

Requirements

• High school graduate or equivalent.
• Four years of experience in retail banking; previous teller experience or item processing experience preferred.
• Solid knowledge of retail banking and electronic banking operations and procedures.
• Possess a solid understanding of ACH, Wire and the Federal Reserve Settlement Process.
• Excellent customer service skills.
• Interacts harmoniously, professionally, cordially and effectively with others, focusing upon the attainment of bank goals and objectives through a commitment to teamwork.
• Strong ability to perform in a fast paced, time sensitive environment. Proven ability to adapt to changes in priorities quickly and deliver quality work during times of increased volumes.
• Strong written and verbal communication, interpersonal, time management and organizational skills.
• Operational competency using Microsoft Office suite; Proficient in Outlook, Word and Excel and other Windows based applications; comfortable learning new software.
• Possess a high level of accuracy and ability to pay close attention to detail.
• Strong problem-solving skills.
• Ability to work independently and as a team player.
• Ability to read/see documents and computer screens, to communicate in person and via the telephone and use a computer and other office equipment.
• Is dependable and conforms to punctuality and attendance standards.
• Able to travel to all bank locations.