Electronic Payments Specialist II

NBT Bank•Norwich, NY

1d•$23 - $30

About The Position

The Electronic Payments Specialist II performs advanced electronic payment functions, including wire transfer, ACH, and RTP processing. The position serves as a subject matter expert, providing technical expertise, analytical support, and guidance on complex and high-risk transactions. It applies in-depth knowledge of payment systems, fraud detection, and regulatory compliance to resolve escalated issues, mitigate risk, and support departmental initiatives. The role supports daily inbound and outbound payment transactions, resolves complex inquiries, monitors fraud risk, provides technical guidance and training, and recommends workflow improvements. It also supports the electronic payment needs of internal departments such as Treasury, HR, Finance, Commercial Lending, and Loan Operations.

Requirements

Associate’s degree or equivalent work experience.
At least 3 years of banking or operations experience.
Advanced analytical, troubleshooting, and problem-solving skills.
In-depth understanding of electronic payment systems and related rules and regulations, including ACH, wires, BSA/AML, and RTP.
Ability to manage complex, high-risk transactions and escalations.
Strong attention to detail and a focus on quality control.
Proficiency in Microsoft Office applications, especially Excel.
Strong written and verbal communication and collaboration skills.
Ability to understand and support the electronic payment needs of internal departments, including Treasury, HR, Finance, Commercial Lending, and Loan Operations.
Advanced knowledge of fraud schemes, emerging trends, and red flags, including the ability to identify risk, investigate fraud cases, coordinate resolution efforts, and mitigate financial and reputational loss.
Authorization to work for any employer in the U.S.; the employer is unable to sponsor or assume sponsorship of an employment visa.

Nice To Haves

Wire, ACH, or electronic payments experience.

Responsibilities

Process and support daily inbound and outbound electronic payment transactions, including wires, ACH, and instant payments (RTP), accurately and on time.
Perform and review complex electronic payment transactions with a high degree of accuracy and risk awareness.
Resolve complex internal and external customer inquiries through multiple support channels.
Research, analyze, and resolve escalated issues involving fraud, exceptions, and high-risk transactions as a subject matter expert.
Monitor and mitigate fraud risk across payment channels while ensuring adherence to BSA/AML and regulatory requirements.
Provide technical support and guidance to team members and internal and external customers.
Assist with training and process-improvement initiatives.
Analyze workflows and recommend enhancements to improve efficiency, quality, and controls.
Perform other duties as assigned.

Benefits

At least 22 days of paid time off annually for full-time employees, prorated in the year of hire.
Six weeks of paid parental leave at 100% of salary.
Medical coverage, including employer HSA contributions for eligible High Deductible Health Plan participants.
Dental and vision coverage.
Flexible spending accounts for healthcare and dependent care expenses.
Employer-paid short-term and long-term disability coverage, with an option to purchase additional long-term coverage.
Employer-paid basic life insurance, with an option to purchase supplemental coverage.
Voluntary hospital, accident, and critical illness coverage.
401(k) plan with employer matching, optional Roth 401(k), and a pension plan.
Adoption assistance.
Tuition reimbursement.
Employee Assistance Program (EAP).
Pet insurance.
Banking services benefits and financial planning assistance.
Wellness initiatives and flexible work arrangements.
Development programs and tools.