Payment Lifecycle Specialist III

Help keep payments moving when timing and accuracy matter this role you will support high-volume United States payment processing and play a direct part in delivering reliable on-time outcomes for clients. You will work in a team environment that values ownership attention to detail and proactive risk awareness. If you enjoy operational problem-solving structured workflows and improving how work gets done this is a strong opportunity to grow your payments operations experience.

Job summary (one to five sentences)

As a Payment Lifecycle Specialist IIIinUS ACH you support day-to-day payment processing and controls for United States payment cut-off coverage. You help us deliver accurate timely processing by monitoring queues maintaining reference data responding to inquiries and escalating exceptions quickly. You will work closely with partners across operations and service teams using clear communication disciplined controls and a continuous-improvement mindset to reduce errors and protect client outcomes.

Job responsibilities

• Reviewreturned check items for clients enrolled in a zero administrative returns service andtakethe appropriate follow-up actions.
• Processelectronic payment transactions across payment platforms including timely completion of assigned queues and cut-off activities.
• Maintainreference and static data in payment applications and databases to support accurate processing and service delivery.
• Applyproduct process and data rules to complete updates that impact payment services and end-to-end delivery.
• Validatethat processing requests are properly authenticated and authorized following established risk and control requirements.
• Monitorvolumes exceptions and unusual activity andescalatepotential issues immediately to management.
• Respondto inquiries received via shared mailboxes andresolveclient-impacting items based on urgency and deadlines.
• Meetall processing deadlines and control checkpoints balancing speed with accuracy and attention to detail.
• Prepareaccurate complete management reporting at agreed intervals.
• Supporttraining and knowledge-sharing to strengthen team capability and consistent execution of procedures.
• Improvecurrent work practices by identifying opportunities for efficiencies providing backup coverage and participating in rotation of functions without impacting workflows.

Required qualifications capabilities and skills

• Bachelors degree or equivalent practical experience
• Experience in banking or financial services operations
• Ability to work a schedule aligned toUnited States business hoursto support payment cut-off coverage
• Demonstrated ability to follow documented procedures and control steps with a strong focus on risk awareness
• Strong attention to detail and commitment to delivering accurate deadline-driven work
• Clear written and verbal communication skills in English
• Strong teamwork and stakeholder communication skills across levels (internal and external)
• Proactive problem-solving skills including ownership of issues through to resolution and timely escalation when needed
• Strong personal computing skills including proficiency with Microsoft Excel Word and PowerPoint

Preferred qualifications capabilities and skills

• Experience processing international payments or working in payment operations environments
• Experience in banking or financial services operations preferably within payments processing or a related operations function
• Working knowledge ofAutomated Clearing Housepayment processing conventions and practices
• Experience updating static data or reference data in operations applications or databases
• Experience in back-office operations at a bank or financial services processing organization
• Advanced Microsoft Excel skills (for example pivot tables lookups and structured reporting)
• Familiarity with Microsoft Access and data reconciliation or exception management workflows