Payment Specialist

Payment Specialist at Commerce Bank

Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. Our culture is about our people, the ones in our communities and the ones that work with us.

Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships. You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you.

Hourly: $20.90 - $26.90 (Amount based on relevant experience, skills, and competencies.)

The main purpose of this job is to process, manage, and ensure the accuracy, timeliness, and compliance of payment transactions.

This role supports Commerce Bank’s daily operations by performing payment processing tasks, resolving payment-related issues, maintaining accurate records, and delivering exceptional customer service.

• Monday - Friday 8:00 AM - 5:00 PM

• Process department files prepared for payment processing
• Receive, organize, and process customer and interbank payments, including ACH, wire transfers, instant payments, electronic funds
• Post payment transactions in banking systems and verify proper allocation of funds to ensure timely and compliant processing
• Execute daily processing procedures, including balancing, reconciling, and posting transactions
• Monitor payment queues and expedite resolution of exceptions or errors
• Ensure critical deadlines are met and all files are delivered or received in a timely manner
• Research, analyze, and resolve payment discrepancies and exceptions
• Maintain compliance with bank policies, industry standards, and regulatory requirements
• Maintain accurate documentation and audit trails within payment systems
• Provide support and guidance to internal teams and customers regarding payment inquiries and issues
• Collaborate with internal teams, such as banks operations support and product teams to streamline payment processes
• Perform other duties as assigned

• Basic knowledge of bank operations
• Ability to communicate effectively with correspondent banks and external partners
• Ability to apply analytical and problem‑solving skills to identify and recommend improvements to payment workflows and minimize errors
• Stay current with payment processing systems, technologies, and regulatory changes
• Motivated and organized self‑starter with strong attention to detail and ability to manage multiple priorities
• Inquisitive, agile, and strong team player with excellent written, verbal, and interpersonal communication skills
• Adaptability and resilience in all situations with an optimistic outlook aligned with our culture and Core Values
• Intermediate proficiency with Microsoft Word, Excel, and Outlook

• High School Diploma or equivalent combination of education and experience required. Associate’s degree preferred.
• 1+ year banking operations experience required.
• Level of role is determined by knowledge, experience, skills, abilities, and education.

The candidate selected for this position may be eligible for the following employment benefits: employer‑sponsored health, dental, and vision insurance; 401(k); life insurance; paid vacation; and paid personal time. We also offer career development, education assistance, and voluntary supplemental benefits.

922 Walnut St, Kansas City, Missouri 64106