Payment Processing Specialist II

The Payment Processing Specialist II is responsible for the daily processing, maintenance, and operational support of commercial deposit and cash management services, with a specific focus on enterprise payment activities. This includes handling electronic payment channels such as ACH, Zelle®, and Fed Now®. The Specialist ensures the accurate and timely processing of payment files, including originations, returns, and dispute management, while maintaining compliance with internal standards and external regulations.

Responsibilities cover the end-to-end processing of real-time and batch payment transactions, reconciliation, exception handling, and support for the day-to-day operations of the Enterprise Payments team.

• Complete quality reviews for all setup and maintenance activities related to commercial deposit accounts and enterprise payment services
• Perform ACH processing reviews, including but not limited to monitoring for NACHA violations, managing ACH return ratios, and enforcing ACH limit controls
• Process and maintain enterprise real-time payment transactions through services such as Zelle® and Fed Now®, ensuring timely and accurate execution of files and exception management
• Monitor and identify potential risk or fraudulent activities utilizing enterprise fraud detection systems, reports, and tools
• Manage payment-related disputes and exceptions, ensuring proper processing and compliance with regulatory time frames and guidelines
• Maintain accurate records and documentation supporting enterprise payment activities in accordance with bank policies and regulatory requirements
• Support regulatory and compliance initiatives related to ACH, Fed Now®, Zelle®, and other enterprise payment platforms
• Participate in periodic quality audits, operational reviews, and testing activities as directed
• Maintain a strong understanding of enterprise payment systems, industry standards, and operational procedures to support continuous improvement efforts
• Demonstrates strong working knowledge of all payment operations and can independently perform all core responsibilities
• Acts as a resource for peers by providing training, support, and guidance as needed
• Takes on additional responsibilities such as leading small process improvements or acting as a point person during shifts
• Possesses advanced understanding of payment risk monitoring, dispute management, NACHA compliance, and enterprise payment regulatory frameworks
• Supports the manager/supervisor in special assignments and system/process enhancement initiatives

College degree preferred; equivalent work experience in lieu of degree is acceptable

Minimum of two years of direct experience in banking operations, treasury management services, or enterprise payment processing (ACH, real-time payments such as Zelle® or Fed Now®)

Prior experience working with payment processing platforms, secure file transmissions, and payment risk management tools preferred

• Strong understanding of ACH payment processing rules and NACHA Operating Rules
• Familiarity with real-time payment platforms (e.g., Zelle®, Fed Now®) and corresponding operational workflows
• Knowledge of risk monitoring practices, dispute management procedures, and fraud prevention controls related to payment processing
• Ability to interpret and apply payment system regulations and compliance standards
• Strong oral and written communication skills with the ability to interact professionally across business units and external partners
• High attention to detail and accuracy, with the ability to maintain focus over extended periods
• Proven ability to multitask, prioritize, and work independently in a fast-paced, high-volume environment
• Strong…