Electronic Payments Operations Specialist III

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Humble, TX, US

The Electronic Payments Operations Specialist III is an advanced individual-contributor role within Deposit Operations responsible for supporting the accurate, timely, and compliant administration of the Bank’s electronic payment services. This position requires broad, hands-on experience across multiple payment channels, including ACH, RTP, Fed Now, Zelle, and other assigned payment services, as well as strong knowledge of applicable network rules, regulatory requirements, fraud controls, and operational risk.

The Specialist III performs complex processing, exception management, research, settlement, reconciliation, and issue resolution; serves as a subject-matter resource for payment operations; and assists the department manager with reviewing, developing, implementing, and strengthening payment programs, procedures, controls, training, and operational readiness.

Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

• Perform and provide advanced operational support across the Bank’s electronic payment channels, including ACH, RTP, Fed Now, Zelle, Bill Pay, Online Banking, and other assigned payment services.
• Process, monitor, research, and resolve complex payment activity across multiple rails, including returns, rejects, exceptions, settlements, reconciliations, adjustments, posting issues, transaction tracing, and other time-sensitive matters.
• Administer ACH operational activities, including returns, Notifications of Change, corrections, prenotes, death notification entries, reclamations, reversals, origination-file review, suspended files, exposure and prefunding requirements, SEC-code exceptions, and required approvals or supporting documentation.
• Support ACH client and service maintenance, including originator onboarding and periodic reviews, entitlements and limits, agreement validation, Positive Pay, blocks and filters, micro-deposit verification exceptions, troubleshooting, and related customer or business-partner requests.
• Apply the rules, operating requirements, regulatory obligations, processing time frames, and internal controls applicable to each assigned payment rail when making operational decisions and resolving exceptions.
• Serve as an escalation point and subject-matter resource for complex payment questions, unusual transactions, rule interpretation, processing issues, and customer-impacting exceptions.
• Monitor payment activity and processes for fraud indicators, rule violations, control gaps, operational trends, and potential compliance concerns; document findings and elevate matters to management or appropriate risk partners.
• Support OFAC-related payment review by researching potential screening holds, documenting disposition, and obtaining appropriate review or approval when required.
• Assist the department manager with evaluating, designing, implementing, and enhancing payment programs, workflows, procedures, controls, service standards, contingency processes, and operational readiness across existing and emerging payment rails.
• Review payment procedures and program documentation for accuracy, completeness, compliance, operational feasibility, and alignment with network rules, regulatory requirements, and the Bank’s risk tolerance.
• Support payment-rail implementations and enhancements, risk assessments, audits, examinations, quality-control reviews, vendor or system changes, testing, conversions, and remediation efforts.
• Maintain complete and accurate documentation, evidence, logs, and…