Banking Analyst - Chargeback & Payments Operations

Job title: Banking Analyst / Chargeback & Payment Operations

Who we are:

Illumia is an industry leader bringing the best integrated technology solutions to education, healthcare, and business campuses worldwide. Be a part of this exciting new partnership, committed to transforming organizations and improving the lives of people doing mission-critical work.

Why join our team?

We strive to provide the very best customer experience in the industry and have succeeded with a single, strong motivating principle: We serve our user community.

Our success and growth are directly attributed to our people. Our company is dedicated to fostering a culture of integrity, respect, and continuous personal development. We maintain an entrepreneurial spirit, where creativity, innovative problem solving, and learning agility drive our day-to-day actions.

What you'll be doing:

The Banking Analyst, with a strong emphasis on chargeback management, is responsible for overseeing end-to-end chargeback case processing, ACH return reviews, compliance assessments, and daily banking activities. This role requires a business-oriented mindset with the ability to think strategically and operate with a leadership approach to ensure resolution, risk management, and stakeholder communication. This role reports directly to the Sr. Manager of Banking Operations and collaborates closely with Client Success, Support, Sales, and other internal operational teams to ensure high client satisfaction and alignment with regulatory and organizational standards.

Job Summary / Purpose

This role serves as a key escalation point for chargeback related inquiries and provides guidance to client-facing support teams. The Banking Analyst plays a critical role in ensuring the accuracy, efficiency, and compliance of all payment-related activities within Illumia. This position is designed for a detail-oriented professional who thrives in a fast-paced environment and is passionate about delivering operational excellence. The ideal candidate will be the backbone of Chargeback related disputes, inquiries, and other payment operations transaction processing serving as a trusted resource for internal teams.

• Chargeback Disputes
• Payment Operations · Manage and Monitor Client Payment Activities
• Handle Escalations, Investigate and Report
• Drive Improvements
• Support Broader Corporate Vision

Your responsibilities will include monitoring compliance activities, managing investigations, own rebuttals to completion and contributing to process improvements that strengthen our risk

Who you'll work with:

You will be an integral part of the Banking Operations team. In this role, you will work closely with Banking Operations leadership, Compliance, Legal, Support and Success teams to ensure proper processing of chargebacks and adherence to card processing requirements and related compliance standards. You will collaborate across multiple departments including Operations, Accounting, Client Success, Product, and Professional Services to identify, track, and resolve chargeback related issues. management framework.

Key Responsibilities and Duties ·

• Own and manage the full lifecycle of credit card chargeback disputes, including investigation, evidence gathering, submission, and outcome monitoring.
• Analyze ACH returns and ensure proper coding, documentation, and compliance alignment.
• Research, analyze, and respond to credit card chargeback inquiries; produce chargeback analysis summaries and reports.
• Perform daily banking operations including ACH processing, wires, payment postings, and reconciliation activities.
• Act as an escalation point for complex disputes or banking issues; provide executive summaries and recommendations.
• Develop and maintain chargeback reporting dashboards, analysis, risk assessments and handle ACH transfer rejections.
• Collaborate cross-functionally with Client Success, Support, and Sales to ensure timely and accurate client communication regarding disputes, inquiries and other banking-related matters.
• Identify and implement process improvements related to chargeback workflows, ACH return management, and overall banking operations.
• Ensure adherence to NACHA, card network, and internal compliance standards.
• Maintain high-quality documentation and audit-ready records for all dispute and banking processes.
• Maintains a current knowledge and consistent compliance with Bank Secrecy Act (BSA) requirements, as well as knowledge and consistent compliance with other banking regulations and Bank policies and procedures related to the position.
• Serve as an escalation point for resolving payment issues and provide guidance to support teams. · Perform daily processing of client payment entries and other assigned banking tasks.
• Balancing and/or Processing ACH, Returned Deposit Items, Credit/Debit Card, Wire and other payment activities.

What you bring to the table:

Required Qualifications

• Bachelor's degree in finance, Business Administration, Accounting, or related field (or equivalent experience).
• 5+ years of banking operations experience, preferably within payment processing, financial operations or FinTech's.
• 3+ years of direct experience with credit card network chargeback processes, ACH return rules, wire transfers, and compliance frameworks.
• Exceptional analytical, problem-solving, and documentation skills.
• Proven ability to operate with a business-oriented mindset when resolving issues and communicating with stakeholders.
• Highly detail-oriented with strong accuracy in financial transaction management.
• Proficiency in Microsoft Office, including Excel and Power BI (preferred).
• Strong analytical and problem-solving skills.
• Proven propensity to learn new technologies and skills quickly
• Ability to provide stellar client service to resolution
• Thrives in a collaborative team environment with excellent communication skills.

Preferred Qualifications

• Knowledge of fraud prevention practices and PCI-related considerations.
• NACHA Accredited ACH Professional (AAP) certification or equivalent.
• Experience with banking systems, merchant processing, and compliance analysis.

What's good to know:

Competencies and Behaviors

• Strong analytical skills with ability to identify trends and risks.
• Ability to manage multiple priorities in a high volume agile environment.
• Process improvement mindset with ability to identify and implement efficiencies.
• Exceptional attention to detail and accuracy in financial transactions.

What you get when you join our team:

• Flexible time off to include paid holidays and volunteer time
• Robust health, dental, and vision insurance plans on your first day of employment
• Comprehensive employee assistance program (EAP)
• Employer-paid life insurance/AD&D/short-term and long-term disability insurance
• Flexible spending account (FSA) or health savings account (HSA)
• Matched 401(k)
• Employee stock purchase plan

Base salary offers for this position may vary based on factors such as location, skills, and relevant experience. Some positions may include additional compensation in the form of bonus, equity, or commissions.

Illumia is an equal employment opportunity employer and considers qualified applicants for employment without regard to race, gender, age, color, religion, national origin, marital status, disability, sexual orientation, protected military/veteran status, or any other protected factor