Payments Analyst

320 College Dr, Martinsville, VA 24112, USA

Posted Monday, July 6, 2026 at 4:00 AM

The Payments Analyst is responsible for the processing of payments, including incoming and outgoing wires to and from the Federal Reserve Bank, Automated Clearing House (ACH) processing, and Debit Card payments and disputes.

• Analyze disputes from deposit clients pertaining to errors on transactions related to Debit Cards, ACH, ATMs, or Zelle
• Process disputes in accordance with Regulation E, Red Flag Rules, UDAAP, Visa Rules, Nacha Rules, and other banking regulations as applicable.
• Report fraud to networks or association, generating charge-backs, and process merchants' re-presentments
• Assist with Instant Issue card program
• Generate General Ledger entries to correct cardholders' accounts and update respective accounts for corporate accounting.
• Assist with Daily and Monthly account reconcilements
• Assist associates and cardholders with disputes or card‑troubleshooting
• Communicate with Merchants to investigate disputes
• Occasionally, process outgoing ACH files; process incoming and outgoing wires and follow up with the branch; provide wiring instructions to attorneys, county or city officials, and other customers who need to send wires to the bank; or contact representative(s) at other financial institutions to resolve problems with wires from their company, or question wires that may be fraudulent

• High school diploma or equivalent or related work experience required, Associate’s degree preferred

• Basic understanding of Microsoft Excel preferred
• Basic understanding of debits, credits, and general ledger accounts
• General banking knowledge
• Strong verbal and written communication skills
• High level of attention to detail, with strong problem-solving and organizational skills
• Ability to perform effectively and maintain accuracy in fast-paced environment
• Knowledge of National Automated Clearing House Association (NACHA) rules preferred
• Knowledge of Regulation E (“Reg E”) rules and procedures preferred
• Experience with Fiserv Products preferred

• Standing, walking, bending and stooping required
• Must be able to sit at a desk for long periods of time and use a computer
• Must be able to occasionally move or lift up to 10 pounds
• May be asked to work supplemental hours periodically
• Limited travel required during and after business hours

$12.05 - $18.85 per hour

Eligible associates may participate in Carter Bank's benefits package, including medical, dental, vision, life insurance, disability coverage, other voluntary benefits, 401(k), paid time off, and paid holidays

320 College Dr, Martinsville, VA 24112, USA