Payment Specialist – Bank Operations

Commerce Bank•Kansas City, MO

1d•Onsite

About The Position

The Payment Specialist processes, manages, and ensures the accuracy, timeliness, and compliance of payment transactions. The role supports Commerce Bank’s daily operations through payment processing, resolving payment-related issues, maintaining accurate records, and providing customer service. The schedule is Monday through Friday, 9:00 AM to 6:00 PM, at 922 Walnut St, Kansas City, Missouri 64106.

Requirements

High school diploma or equivalent combination of education and experience.
At least 1 year of banking operations experience.
Basic knowledge of bank operations.
Ability to communicate effectively with correspondent banks and external partners.
Analytical and problem-solving skills to identify and recommend payment workflow improvements and minimize errors.
Ability to stay current with payment processing systems, technologies, and regulatory changes.
Organized, self-motivated approach; strong attention to detail and ability to manage multiple priorities.
Inquisitive, agile, team-oriented approach with strong written, verbal, and interpersonal communication skills.
Ability to remain adaptable and resilient, maintain an optimistic outlook, and align with the company’s culture and Core Values.
Intermediate proficiency with Microsoft Word, Excel, and Outlook.
Must be eligible to work in the United States without sponsorship now or in the future.

Nice To Haves

Associate degree.

Responsibilities

Process department files prepared for payment processing.
Receive, organize, and process customer and interbank payments, including ACH, wire transfers, instant payments, and electronic funds.
Post payment transactions in banking systems and verify proper allocation of funds for timely and compliant processing.
Execute daily processing procedures, including balancing, reconciling, and posting transactions.
Monitor payment queues and escalate exceptions or errors for timely resolution.
Ensure critical deadlines are met and files are delivered or received on time.
Research, analyze, and resolve payment discrepancies and exceptions.
Maintain compliance with bank policies, industry standards, and regulatory requirements.
Maintain accurate documentation and audit trails within payment systems.
Support internal teams and customers with payment inquiries and issues.
Collaborate with internal teams, including bank operations support and product teams, to streamline payment processes.
Perform other duties as assigned.