Join our US Payments team and play a vital role in ensuring the accuracy and efficiency of electronic funds transfer operations. Be at the heart of a dynamic environment, supporting critical payment processes and collaborating with cross-functional teams to deliver operational excellence. Unlock your potential in a role that values attention to detail, problem-solving, and continuous improvement.

As a Payment Lifecycle Specialist within the US Payments team, you will be responsible for monitoring production queues, processing customer origination files, and ensuring accurate settlement and reconciliation of EFTS (Electronic Funds Transfers) transactions. You will work closely with internal and external partners, including the Federal Reserve Bank and EPN, to meet all deadlines and maintain compliance with NACHA and company policies. This role requires working a full US shift to support US Payments during cut-off hours.

Job responsibilities

• Monitor production queues to ensure all customer origination files are scheduled and processed according to EFTS job streams.
• Prepare and reconcile general ledger entries for settlement, incorporating them into the final daily EFTS sub-proof.
• Ensure all EFTS endpoint destination files meet internal and external deadlines, verifying the accuracy of preparation, submission, and verification.
• Oversee file settlements between EFTS, internal accounts (DDA, etc.), and external agencies such as the Federal Reserve Bank and EPN.
• Monitor the receipt, control, processing, and accounting of all files to/from the Federal Reserve Bank and EPN, ensuring compliance with departmental and NACHA deadlines.
• Perform daily proof functions (Day/Evening/Returns/Miscellaneous) to maintain proof condition and prevent financial impact.
• Review and reconcile daily out-of-balance customer input files, providing appropriate settlements.
• Investigate and resolve Trouble Reports related to production problems, problem files, and customer requests.
• Escalate exceptions, unwarranted activities, or volume spikes to management immediately.
• Provide accurate and complete MIS reports, assist in training and educating team members, and comply with Standard Operating Procedures, Code of Conduct, and company policies.
• Identify and implement improvements to current work practices, participate in function rotation within the group, work independently to complete necessary tasks, and support US Payments during US cut-off hours by working a full US shift.

Required qualifications, capabilities, and skills

• Graduate with 2++ years of experience in banks or financial institutions, or a fresher with a strong academic record.
• Intermediate knowledge of global payment processing operations, including ACH, standard operating procedures, and customer-specific instructions.
• Strong task execution, time management, and ability to complete requirements per defined processes.
• Proven decision-making and problem-solving abilities, utilizing critical and analytical thinking in moderately complex situations.
• Proficiency in data analysis techniques, with the ability to interpret and communicate data effectively.
• Strong communication skills, emotional intelligence, and a growth mindset with personal resiliency.
• Ability to collaborate with stakeholders and cross-functional teams to solve problems and drive continuous improvement.
• Intermediate computer and technical skills, including alpha/numeric data entry and typing.
• Foundational understanding of cybersecurity controls and anti-fraud strategies.
• Meticulous attention to detail, ensuring high-quality, error-free work, and strict adherence to applicable policies and standards.
• Ability to monitor quality, verify correctness through reviews and validation, and escalate issues requiring management attention for timely resolution.

Preferred qualifications, capabilities, and skills

• Experience in back office operations of a reputed bank or its processing arm is beneficial.
• Knowledge of US payment systems and regulatory requirements.