Digital Payments Specialist

First Bank•Greensboro, NC

About The Position

The Digital Payments Specialist processes wire and ACH transactions across multiple systems while maintaining accuracy, regulatory compliance, and timely service. The role reviews transaction data, researches and resolves payment exceptions, performs OFAC and fraud-related reviews, supports internal and external customers, coordinates with business and vendor partners, and maintains complete records. The position requires banking or financial services experience, working knowledge of wire and ACH operations, and familiarity with applicable requirements, including AML, BSA, OFAC, UCC Article 4A, and ACH rules. The specialist executes incoming and outgoing payments; extracts payment files from online banking systems and uploads them to wire-processing systems; reviews transaction instructions; enters data and posts debits and credits; and performs callbacks for suspicious and high-value wire transactions. The role also responds to inquiries, coordinates issue resolution, completes operational transfers and balancing, maintains documentation, prepares statements and reports, participates in conversions and acquisitions, and tests wire-system software releases and updates. The role requires adherence to departmental policies, applicable laws and regulations, annual compliance training, and Service Excellence standards. Wire Room employees are designated as essential employees and must have office or VPN access during inclement weather or disasters as defined by the Bank’s BCP. The work environment is a professional office with standard office equipment. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Requirements

High school diploma or GED, or an equivalent combination of education and experience.
At least two years of banking or financial services experience, including firsthand experience processing wire operations, ACH origination operations, or both.
Business- or financial-industry-related educational experience through in-house training, formal schooling, or financial-industry curriculum.
Intermediate knowledge of Bank operations and other Bank operational policies and procedures.
Excellent organizational and time-management skills, with the ability to work with minimal supervision.
Intermediate skills in computer terminal and personal computer operation, word processing, spreadsheets, and specialty software programs.
Exceptional verbal, written, and interpersonal communication skills, including the ability to apply common sense to carry out instructions and instruct personnel.
Ability to work the hours and days required to complete the essential functions as scheduled.
Ability to pay close attention to detail and work as a team member.
Ability to interact effectively with co-workers and customers and exercise self-control and diplomacy in customer and employee relations situations.
Ability to exercise discretion and appropriate judgment when necessary.
Ability to learn, think, concentrate, and exercise self-control in a customer-relations environment.
Vision, hearing, speech, dexterity, and visual concentration.
Ability to stand, walk, sit, and use hands and fingers.
Valid driver's license.
Access to the office or VPN during inclement weather or disasters, as required for essential Wire Room employees under the Bank’s BCP.

Responsibilities

Execute incoming and outgoing payment transactions accurately across multiple digital payment systems.
Extract payment files from online banking systems and upload them to the appropriate wire-processing systems according to established procedures.
Review transaction instructions from internal bank partners and online banking customers for accuracy, OFAC and BSA compliance, and potential fraud.
Complete required data entry and accurately post debits and credits to demand deposit and general ledger accounts.
Ensure payment processing complies with departmental policies, applicable banking regulations, AML, the Bank Secrecy Act, UCC Article 4A, ACH rules, and relevant industry standards.
Complete callbacks for suspicious wire transactions flagged in online banking and escalate cases to Risk when warranted.
Complete callbacks for wire transactions over $250,000.
Respond to customer and internal-team inquiries regarding payment orders, research requests, and confirmations.
Serve as a point of contact among the Bank, third-party vendors, technical personnel, and other business units; coordinate investigations, status communications, and timely issue resolution.
Apply knowledge of Bank operations to complete assigned daily, monthly, and quarterly responsibilities accurately and on schedule.
Complete daily transfers required by agencies associated with wire processing and transfers needed for balancing.
Maintain complete and accurate documentation for wire-processing activities and provide requested records to auditors and examiners according to established procedures.
Prepare and distribute required statements and operational reports accurately and within established deadlines.
Participate in conversions and acquisitions as assigned.
Support wire-system software releases and updates by testing and validating new or modified functionality.
Complete required annual compliance training and adhere to corporate policies, procedures, and applicable federal and state laws and regulations, including the Bank Secrecy Act and Anti-Money Laundering Act.
Adhere to Service Excellence standards and promote their implementation with peers and supported associates.
Perform other duties as required.