Hybrid PAYMENTS SERVICES SPECIALIST bei Relyance Bank
Relyance Bank · White Hall, Vereinigte Staaten Von Amerika · Hybrid
- Professional
- Optionales Büro in White Hall
Job Details
Description
SUMMARY
Under the general direction of the SVP-Payments and Loan Services, the Payments Services Specialist is responsible for maintaining a high-level working knowledge of all payments systems’ rules and regulations, as well as the Bank’s internal policies, procedures, and processes for the various payments systems. The Payments Services Specialist must be able to satisfactorily perform all duties of all Payments Services team members, including Wire Services, Check/ACH/RTP Services, Card Services, and Collections. The Payments Services Specialist will assist in identifying, monitoring, and controlling risks of the various payments systems with specific emphasis on controlling operational losses, such as fraud losses and waivers of fee income. The Payments Services Specialist is responsible for communicating and assisting bankers with payments-related inquiries. The Payments Services Specialist must be able to effectively work with employees in various positions from entry-level team members to Executive Management and Directors. Qualities a successful Payments Services Specialist must possess are the ability to cope with high pressure timelines and large amounts of data while maintaining accuracy and the ability to multitask in a highly regulated environment. The Payments Services Specialist must have exceptional communication and customer service skills.
ESSENTIAL DUTIES
- Maintain a thorough ability to perform all Payments Services team members’ job duties, including Wire Services, ACH/Check/RTP Services, Card Fraud Services, and Collections.
- Serve as backup in any Payments Services position.
- Serve as backup for Office Services, which includes processing mail and ordering supplies.
- Process return items, unposted items, and reconcile at the end of the processing day.
- Process wires and perform callback verifications as needed, in accordance with policy and procedures.
- Process debit card disputes, investigations, and reconciliations in accordance with regulations, policies, and procedures.
- Initiate check adjustments, chargebacks, and warranty claim disputes.
- Handle collections activities for deposit accounts in accordance with procedures.
- Assign and remove overdraft protection from accounts and perform other overdraft administration duties, in accordance with procedures.
- Report charged off accounts in accordance with FCRA regulations.
- Handle ACH returns, reclamation processing, Written Statements of Unauthorized Debit, etc. in accordance with NACHA rules and internal procedures.
- Process garnishments, levies, and subpoenas in accordance with regulations, policies, and procedures.
- Process trust payments in accordance with procedures.
- Process beginning of day and end of day transaction tickets for cash position.
- Remain up to date on all rules and regulations related to the various payments systems.
- Prepare various reports for Bank Committees.
- Assist the Payments Services Manager with writing department procedures, developing training materials, etc.
- Participate in department projects, as needed.
- Complete all assigned training in a timely manner.
- Have the ability to clearly, accurately, and professionally communicate with others, both in writing and verbally.
- Develop spreadsheets for various reports.
- Comply with all provisions of the Bank Secrecy Act, Anti-Money Laundering Act, USA PATRIOT Act, and OFAC laws and regulations, as well as the Bank’s internal policies and procedures and promptly report violations to the Bank’s Bank Secrecy Act Officer.
- Assist in gathering documentation for internal audits and external exams.
- Actively work with the BSA team to ensure all fraudulent and suspicious activity is captured for reporting and tracking.
- Assist in identifying operational efficiencies and cost-savings opportunities in relation to Payments Services.
- Development and Distribution of Internal Reports (H360).
- Any and all other duties as assigned by the supervisor.
SECONDARY RESPONSIBILITIES
- Support and uphold the Relyance Bank Mission Statement.
- Uphold the Bank's Code of Ethics and ensure that confidential information is safeguarded.
- Maintain a high level of cooperation and rapport with all associates in order to ensure accurate and efficient operations and service.
- Formulate and communicate new ideas and suggestions that will improve profitability and efficiency for the company's overall operation.
- Promote professionalism at all times.
- Promote a positive team environment by demonstrating good leadership skills, encouraging Payments Systems team members, and assisting the VP-BSA and Deposit Compliance Officer in ensuring Payments Systems team members have necessary tools and training to be successful.
- Promote a bank-wide "team" attitude.
SUPERVISORY RESPONSIBILITY
The position of Payments Services Specialist has no supervisory responsibilities.
ENVIRONMENT AND PHYSICAL ACTIVITY
The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.
The employee is in a non-confined office-type setting in which he or she is free to move about at will. The position includes driving a Bank or personal owned vehicle approximately 5% of the time which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc.
Occasional travel may be required to other branches, which may be in other markets as needed. Occasional overnight and/or out of state travel may be expected for training.
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
The employee in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 25 pounds), carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling, and reaching.
The employee for this position may operate any or all of the following: telephone, cellular telephone, copy and fax machines, adding machine (calculator), scanning equipment, computer terminal, personal computer/laptop, and related printers.
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
MENTAL DEMANDS
The employee in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, training, multiple concurrent tasks, and constant interruptions.
Qualifications
MINIMUM REQUIREMENTS
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.
- High School Diploma or equivalent
- Minimum of three years of banking experience, with payments systems experience preferred.
- Must be able to effectively use the Microsoft suite for businesses, i.e., Outlook, Word, Excel, Sharepoint, Teams, Stream, and Forms.
- Must be able to arrive to work on time and have regular work attendance.
- Must be able to work cooperatively with and provide professional and cordial customer service to others, regardless of personality, presence, or communication style.
- Ability to establish and maintain effective work relationships both internally and externally.
- Must be able to rotate job tasks.
- Must be able to occasionally work outside of normal business hours.
- Ability to define problems and propose solutions.
- Strong attention to detail and strong organizational/time-management skills.
- Ability to effectively complete multiple projects simultaneously, managing time and resources to ensure work is completed efficiently and within established timeframes.
- Ability to work independently and/or in teams under limited supervision.
- Strong interpersonal skills evidenced in both verbal and written communications as well as excellent listening skills.
- Business writing skills and experience.
- Fundamental knowledge of general banking principles, philosophies, and operations.
- Ability to provide leadership, motivating and persuading others to address compliance risks without having actual authority over them.
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Current Arkansas driver’s license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilitie
