Bank Payments Processing Specialist Mid-Level - Sensitive Profile

About the role

As a dedicated Bank Payments Processing Specialist Mid-Level -Sensitive Profile , you will, w ithin defined guidelines and regulatory framework, perform services for deposit processing, payment exception and monetary adjustments. Processes specialized and routine back-office payment transactions, often in coordination with other institutions, to include paper, electronic , and deposits . Research and resolves payment issues, payment exceptions, and monetary adjustments across all payment channels including ACH (Automated Clearing House) and wires. This job profile is designated as a Sensitive Position. Sensitive Positions are those positions in which individuals have the authority and ability to conduct in-scope activities (movement of USAA or Member funds) as defined within the Enterprise Sensitive Positions Mandatory Time-Away Compliance Policy. Employees in Sensitive Positions are required to fulfill a Mandatory Time-Away (MTA) requirement of 10 consecutive business days each calendar year. *This position requires several hours of inbound calls per day, and outbound calls as needed. We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, or Tampa Crosstown, FL. Relocation assistance is not available for this position.

Responsibilities

• Applies advanced knowledge of policies, processes, industry practices, systems and/or equipment to open and/or process payments received through various payment systems.
• Processes bank payments such as reconciling monetary transactions and processing general ledger transactions in accordance with established procedures and service level agreements.
• Reviews moderately complex account transactions for exceptions processing and follows documented procedures to help determine appropriate actions for bank-to-bank adjustments and/or member requested changes in accordance with regulatory guidelines.
• Serves as a first line of defense for fraud or suspicious transaction activities for all monetary to include Zelle, ACH, wires, deposits, paper and electronic payment transactions; submits Fraud Referral and/or notifies process owner when suspicious transactions are detected.
• As an end-user, it supports internal financial and payment systems, tools, and technologies to ensure they are in working order. Escalates and reports issues or system defects as appropriate .
• Applies strong knowledge to assist on projects, as needed, to include technical systems upgrades, application changes, new product integration, etc.
• Collaborate with process owner and business partner in documenting process maps and procedures for key processes and may make recommendations for process improvements.
• Occasionally, communications with Federal Reserve, NACHA, and other financial or governing institutions for research and resolution through various channels.
• Serves as a resource to less experienced team members on escalated issues of a routine nature.
• Ensure risks associated with business activities are effectively identified , measured, monitored , and controlled in accordance with risk and compliance policies and procedures.
• What you have:
• High School Diploma OR General Equivalency Diploma.
• 2 years of experience in bank payments processing including all the following: exceptions processing, bank to bank adjustments, ACH / wires, and research and resolution for member accounts.
• Proficient knowledge of the monetary flow of banking transactions to include general ledger exceptions and outages.
• Experience working with external regulating institutions and other banks to decide necessary monetary adjustments.
• Advanced problem solving and analytical skills.
• Advanced knowledge of ACH, reg E, reg Z, bank adjustment, and other relevant payments processing regulations.
• Demonstrated experience using payments processing software and applications such as FIS, FISERV, Pep+, etc.
• Proficient knowledge of Microsoft Office applications.
• What sets you apart:
• 2 years of experience in bank payment wire processing.
• Volpay systems experience.
• Enterprise Worklist knowledge/experience.
• Current member contact experience.
• Current inbound/outbound member experience.
• US military experience through military service or a military spouse/domestic part

Benefits

Additional Information

Why USAA? At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families. Embrace a fulfilling career at USAA, where our core values - honesty, integrity, loyalty and service - define how we treat each other and our members. Be part of what truly makes us special and impactful. We are proud to support active-duty military spouses. USAA roles may offer remote or hybrid flexibility for active-duty military spouses consistent with applicable policy and business needs.

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