Senior Payment Operations Analyst

THREAD BANK•Nashville, TN

12h

About The Position

Thread Bank is a digital-first financial technology community bank that aims to enhance customer engagement through innovative solutions. Thread Bank offers a modern website, a CRM system, and a mobile app to simplify banking for businesses and individuals. Our embedded banking solution helps business technology platforms provide secure banking experiences. We also partner with other banks, credit unions, and FinTechs to integrate compliant financial solutions. Thread Bank values innovation, collaboration, and flexibility, offering excellent benefits and a family-friendly culture. We are looking for people who thrive in a fast-paced, growth environment while remaining within regulatory boundaries. Thread Bank provides a unique opportunity to be a part of a high growth, cutting edge, fintech startup within the stable and profitable banking industry. This is an excellent opportunity for a professional looking to advance their career as the company grows.

Requirements

3–5 years in banking, fintech, or payment-operations environment.
Working knowledge of Fedwire, International Wires and NACHA rules.
Comfortable with SaaS consoles (Unit, FBO ledger, core, ticketing tools).
Intermediate Excel/Sheets; able to create pivot tables and reconcile large datasets.
Strong written/verbal communication; concise incident notes are a must.
Sense of urgency, ownership, and follow-through—especially under wire cut-off deadlines.

Responsibilities

Accurately process money movement for Thread and its Clients, utilizing appropriate decision-making skills to ensure smooth processing.
Own the first line escalations and problem solving of wire and ACH issues that arise from day-to-day money movement and vital Operations functions.
Complete regulatory audits and internal audits while working closely with Operations management team.
Assist in the creation of monthly Operations reporting to Thread Bank board.
Own the first line escalations and problem solving of wire and ACH issues that arise from day-to-day money movement and vital Operations functions.
Work closely with other Payment and Deposit Operations employees to make sure daily money movement and tasks are completed correctly and on time.
Report any suspicious activity to management for further review.
Interact with Thread Bank partners to make sure tasks are completed correctly and expectations are clear.
Review Embedded Partner post enrollment requests for limit increases and equivalent items.
Foster relationships with our external partners and customers for escalations and issues.
Verify, and release incoming/outgoing Fedwire and ACH files.
Activity related to International Wires.
Complete required callbacks/dual control approvals and other necessary operational steps to monitor transactions for accuracy, completeness, and compliance with regulatory requirements to protect the bank and money movement.
Monitor real-time queues for exceptions or anomaly hits and escalate per playbook.
Review daily remote deposit check submissions for image quality, potential alterations, and endorsement validity.
Identify and escalate suspect or duplicate items; release valid items for posting within cut-off timelines.
Resolve bank/embedded partner and end-user questions on things like transfers, balances, holds, statements, research, and transaction status within SLA.
Perform first-tier troubleshooting clients, partners, and internal stakeholders regarding payment inquiries, issues, and requests of any matter related to embedded banking issues; open tracking tickets.
Balance correspondent and settlement accounts daily; investigate breaks.
Prepare volume, error-rate, and turnaround-time metrics for management dashboards.
Proactively flag inefficiencies or control gaps and suggest fixes.
Participate in retrospectives to refine cutoff times, staffing, or tooling.