Bank Payments Processing Specialist Mid-Level - Sensitive Profile

USAA•San Antonio, TX

16d•Hybrid

About The Position

As a dedicated Bank Payments Processing Specialist Mid-Level - Sensitive Profile, you will perform services for deposit processing, payment exception, and monetary adjustments within defined guidelines and regulatory framework. You will process specialized and routine back-office payment transactions, including paper, electronic, and deposits, often in coordination with other institutions. You will research and resolve payment issues, payment exceptions, and monetary adjustments across all payment channels, including ACH (Automated Clearing House) and wires. This job profile is designated as a Sensitive Position, meaning individuals have the authority to conduct in-scope activities involving the movement of USAA or Member funds. Employees in Sensitive Positions are required to fulfill a Mandatory Time-Away (MTA) requirement of 10 consecutive business days each calendar year. This position requires several hours of inbound calls per day, and outbound calls as needed. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in San Antonio, TX, or Tampa Crosstown, FL. Relocation assistance is not available.

Requirements

High School Diploma OR General Equivalency Diploma.
2 years of experience in bank payments processing including all the following: exceptions processing, bank to bank adjustments, ACH / wires, and research and resolution for member accounts.
Proficient knowledge of the monetary flow of banking transactions to include general ledger exceptions and outages.
Experience working with external regulating institutions and other banks to decide necessary monetary adjustments.
Advanced problem solving and analytical skills.
Advanced knowledge of ACH, reg E, reg Z, bank adjustment, and other relevant payments processing regulations.
Demonstrated experience using payments processing software and applications such as FIS, FISERV, Pep+, etc.
Proficient knowledge of Microsoft Office applications.

Nice To Haves

2 years of experience in bank payment wire processing.
Volpay systems experience.
Enterprise Worklist knowledge/experience.
Current member contact experience.
Current inbound/outbound member experience.
US military experience through military service or a military spouse/domestic partner.

Responsibilities

Applies advanced knowledge of policies, processes, industry practices, systems and/or equipment to open and/or process payments received through various payment systems.
Processes bank payments such as reconciling monetary transactions and processing general ledger transactions in accordance with established procedures and service level agreements.
Reviews moderately complex account transactions for exceptions processing and follows documented procedures to help determine appropriate actions for bank-to-bank adjustments and/or member requested changes in accordance with regulatory guidelines.
Serves as a first line of defense for fraud or suspicious transaction activities for all monetary transactions including Zelle, ACH, wires, deposits, paper and electronic payment transactions; submits Fraud Referral and/or notifies process owner when suspicious transactions are detected.
As an end-user, it supports internal financial and payment systems, tools, and technologies to ensure they are in working order.
Escalates and reports issues or system defects as appropriate.
Applies strong knowledge to assist on projects, as needed, to include technical systems upgrades, application changes, new product integration, etc.
Collaborate with process owner and business partner in documenting process maps and procedures for key processes and may make recommendations for process improvements.
Occasionally, communications with Federal Reserve, NACHA, and other financial or governing institutions for research and resolution through various channels.
Serves as a resource to less experienced team members on escalated issues of a routine nature.
Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.