Electronic Payments Manager

The Role: VP/ Electronic Payments Manager

The Location: SB, LA, OC, SD, California

Reports To: EVP/ Chief Administrative Officer

Make a Difference Where It Matters Most

At CalPrivate Bank, we believe banking is personal. We have deep roots in the communities we serve, and our client relationships are built on genuine care, thoughtful problem-solving, and unwavering integrity. Our solutions-based service, paired with best-in-class talent, sets us apart in the market, but it's trust that defines who we are. It's our gold standard, the currency we trade in, and the foundation of every decision we make.

We're looking for leaders who want more than a title. We're looking for team players who want to make an impact. If you're driven to lead with purpose, ready to shape the future and have meaningful impact at a relationship-centered bank, CalPrivate Bank may be the place for you.

Your Opportunity: Electronic Payments Manager

At CalPrivate Bank, our mission is rooted in building trusted relationships, delivering tailored financial solutions, and providing exceptional client experience. The Vice President, Electronic Payments Manager plays a critical leadership role in advancing that mission by ensuring the Bank's electronic payment systems are secure, efficient, scalable, and aligned with the evolving needs of our clients and business partners.

This position is responsible for the strategic oversight, operational management, risk governance, and continued enhancement of the Bank's electronic payments ecosystem, including ACH, wire transfers, debit card services, real-time payments, FedNow, instant payment solutions, and related payment technologies. As a key leader within Operations, the VP, Electronic Payments Manager ensures the Bank maintains a strong control environment while delivering innovative payment solutions that support client growth, operational excellence, and long-term organizational success.

The ideal candidate is a collaborative and forward-thinking leader who possesses deep payments expertise, strong risk management acumen, and a passion for developing high-performing teams. This individual will partner closely with Operations, Product, Technology, Compliance, Risk Management, Audit, and Executive Leadership to strengthen payment capabilities, enhance fraud prevention strategies, and support the Bank's continued growth.

This position may operate in a hybrid work environment. Periodic travel to Bank offices, operations centers, meetings, training sessions, and other business-related events will be required.

What You'll Do

Leadership & Team Development

• Provide leadership, direction, coaching, and mentorship to Electronic Payments team members.
• Foster a culture of accountability, collaboration, continuous improvement, and professional development.
• Manage staffing, workforce planning, employee engagement, performance management, and succession planning activities.
• Develop team capabilities through ongoing training, cross-training, and skills development initiatives.
• Create an environment where employees feel empowered to contribute ideas, solve problems, and deliver exceptional service.

Electronic Payments Operations Management

• Oversee the daily operations of the Bank's electronic payment functions, including:

• ACH processing

• Incoming and outgoing wire transfers

• Debit card services

• Real-time and instant payment platforms

• FedNow and private-label instant payment solutions

• Ensure payment activities are processed accurately, efficiently, and within established service level expectations.

• Assist with processing daily ACH files, dispute investigations, exception handling, and payment-related operational activities as needed.

• Oversee general ledger reconciliations related to electronic payment functions.

• Resolve escalated operational issues and provide guidance on complex payment matters.

Strategy, Product Enhancement & Innovation

• Lead the development and expansion of the Bank's instant payments strategy and capabilities.
• Serve as the Bank's subject matter expert for FedNow, instant payment networks, and emerging payment technologies.
• Partner closely with Product Management and other stakeholders to evaluate, enhance, and expand electronic payment offerings.
• Identify opportunities to improve client experience, operational efficiency, and payment functionality.
• Stay informed on industry trends, emerging technologies, and regulatory developments impacting electronic payments.

Risk Management & Fraud Prevention

• Own and maintain enterprise risk assessments related to electronic payment products and services.
• Develop, implement, and continuously enhance controls designed to mitigate operational, fraud, and compliance risks.
• Partner with the Bank's Fraud Committee to strengthen fraud detection, prevention, monitoring, and response programs.
• Ensure fraud-related controls, procedures, and monitoring activities remain effective and aligned with industry best practices.
• Monitor emerging fraud trends and recommend proactive enhancements to controls and processes.

Governance, Compliance & Policy Administration

• Review, develop, maintain, and update policies, procedures, and operational guidelines related to ACH, wire transfers, card services, and instant payments.
• Communicate procedural and policy changes across the organization and provide guidance regarding implementation.
• Maintain expert-level knowledge of applicable laws, regulations, and operating rules governing electronic payments, including:
• NACHA Operating Rules
• Regulation E
• Regulation CC
• UCC Articles 4A and related payment regulations
• Federal Reserve payment system requirements
• Card network rules and guidance

Ensure departmental compliance with all internal controls, regulatory requirements, and audit expectations.

Reporting & Analytics

• Produce and deliver monthly reporting to senior management regarding:

• ACH activity

• Wire activity

• Card program performance

• Fraud trends and losses

• Operational metrics

• Risk indicators

• Analyze payment activity and trends to identify opportunities for process improvement and risk mitigation.

• Develop meaningful management reporting that supports informed decision-making.

Training & Organizational Support

• Provide and coordinate bank-wide training related to electronic payment products, services, procedures, and risk management practices.
• Serve as a trusted resource and subject matter expert for internal business partners.
• Assist with developing educational materials and operational guidance for employees throughout the Bank.

Project Leadership & Audit Support

• Serve as the Electronic Payments lead and subject matter expert for strategic Bank initiatives and projects.
• Partner with Technology, Operations, Product, Risk, and Compliance teams to support successful project implementation.
• Act as primary liaison for internal and external audits related to electronic payments.
• Support regulatory examinations and independent reviews.
• Maintain audit and examination results at a satisfactory level or better and ensure timely remediation of findings when identified.

AML/CFT/Compliance Responsibilities

This position includes direct or indirect interaction with customers and other employees and therefore includes responsibilities relating to BSA/AML. The employee will have opportunity to examine and view information and documents produced by other employees of the Bank relating to BSA and therefore has the obligation to report suspicious activity to the BSA Officer as appropriate. The employee is responsible for understanding and following the Bank's BSA/AML policies including elevating suspicious activity to the BSA Officer. Additionally, the employee is required to understand and follow the Bank's compliance program BSA/AML policies including elevating suspicious activity to the BSA Officer. Additionally, the employee is required to understand and follow the Bank's compliance program.

Who You Are

Experience & Expertise

• Bachelor's degree in Business, Finance, Accounting, Management, or related field preferred.

• Minimum of five (5) years of leadership and management experience within electronic payments, treasury operations, or back-office banking operations.

• Demonstrated experience managing ACH, wire transfer, debit card, and electronic payment operations.

• Strong understanding of real-time payment solutions, FedNow, instant payments, and emerging payment technologies.

• Experience leading teams in a fast-paced, growth-oriented financial institution preferred.

• One or more of the following certifications preferred:

• Accredited ACH Professional (AAP)

• Accredited Payments Risk Professional (APRP)

• Other relevant payments, treasury management, or risk management certifications

• Advanced knowledge of:

• ACH processing and NACHA Rules

• Domestic and international wire transfer operations

• Debit card programs and payment networks

• FedNow and instant payment platforms

• Electronic payment risk management practices

• Fraud detection and prevention methodologies

• Banking regulations applicable to payment systems

• Strong understanding of operational controls, audit practices, and regulatory compliance requirements.

• Proficiency in payment systems, reporting tools, and Microsoft Office applications.

• Excellent communication, presentation, and executive influence skills.

• Ability to effectively manage multiple complex matters simultaneously.

• Strong analytical, problem-solving, and decision-making capabilities.

Mindset & Values

• You lead with accountability, integrity, and consistency.
• You thrive in a collaborative environment where transparency and follow-through matter.
• You model professionalism, calm under pressure, and a solutions-oriented mindset.
• You embrace data-driven decision-making while maintaining a client-first perspective.
• You embody CalPrivate's culture, heart for client, excellence in service, and deep commitment to the Bank and its people.

Physical Demands

• May require some travel in order to support clients, cultivate business development opportunities and meeting with prospects.
• Ability to sit or stand for extended periods of time.
• Ability to physically use a keyboard/mouse
• Ability to walk to and from workstations
• Ability to frequently lift and/or move up to 10lbs and occasionally lift and/or move up to 50 pounds.
• Specific vision abilities required by this job include close vision and ability to adjust focus

Why CalPrivate Bank?

This isn't just another bank job. At CalPrivate Bank, you will be part of something bigger. Our day-to-day operations and projects don't just impact a balance sheet, they influence real people, real businesses, and the communities we proudly serve. We are guided by our commitment to relationships, solutions, and trust. And we're building a team of people who reflect those values in everything they do.

If you're looking for a place where your work will matter, your ideas will be valued, and your growth will be supported, welcome to CalPrivate Bank! Ready to lead with purpose?