Payment Operations Specialist

Job Summary

The Payments Operations Specialist will play a critical role in ensuring timely, accurate and efficient processing across all payment channels, including ACH, wire transfers, faster payment systems (Real-Time Transfers, FedNow, and Zelle), online bill pay, and other electronic payment platforms. This individual is responsible for understanding a variety of payment channels utilized by the bank. This individual will assist in problem solving and serve as a resource person to all other Payment Operation Specialists and employees of other departments.

The specialist must be adept at working in a fast-paced, changing environment, stay motivated and keep up to date on changes as they develop. Additionally, the specialist will demonstrate exceptional attention to detail, strong analytical skills, and a deep understanding of financial and payment networks.

Job Duties

• Works closely in a team environment to complete all daily responsibilities related to processing ACH, wire transfers, faster payments, and other electronic transactions accurately and timely.
• Monitor payment queues and resolve routine exceptions.
• Promptly investigate and resolve payment failures, returns, and disputes with internal teams, customers and banking partners.
• Ensure compliance with NACHA, Federal Reserve, and other applicable regulations.
• Assist with customer inquiries related to payment processing and provide excellent customer service.
• Adheres to all internal controls, risk management and compliance standards as well as any other applicable banking regulations.
• Support process improvement initiatives and optimization of payment systems and workflows.
• Adheres to all Federal and State laws and regulations, including the Bank Secrecy Act.
• Other duties as assigned.

Essential Functions

• Must be able to perform the essential functions of this position with or without reasonable accommodation.

Qualifications

• Education

• High School Diploma or equivalent required.

• Skills

• Strong analytical, problem-solving, and communication skills.

• Proficiency in Microsoft Office and payment processing platforms.

• Strong written and verbal communication skills.

• Experience

• 1+ years in payment operations or related banking functions preferred.

• Experience with FinTech and/or high-volume transaction processing, with exposure to fast-paced work environments.

• Knowledge of payment systems and banking regulations.

Supervised By

• Payments Operations Assistant Manager

Supervises

• None

Dart Bank is a community bank, serving our community since 1925. We specialize in providing financial services, but we are passionate about serving the community and building real relationships with people. Dart Bank provides innovative financial services for both personal and business banking, consumer and mortgage loans, commercial loans and lines of credit, merchant credit card processing, investment services and more. Our array of products and services and our longstanding history within our communities shows we care about what matters most for our customers and we are there for them for the most important times in their lives. Dart Bank. For What Matters Most.

We offer:

• Medical Benefits
• Dental
• Vision
• 401(K) Employee Stock Ownership Plan
• Paid vacation & sick time
• Flexible scheduling
• Employee Assistance Program
• Dart Bank University

At Dart Bank you can expect to be surrounded by a team that will support you and invest in your growth in a quick-paced work environment where we deliver exceptional customer service. We are a local business that cares about our employees and our community.

Dart Bank is committed to providing equal opportunity in employment, maintaining a diverse workforce, and prohibiting all forms of unlawful discrimination and harassment.

All employment decisions, policies, and practices, in terms of the recruitment process and other conditions and privileges of employment, will comply with applicable federal, state, and local anti-discrimination laws. The Company seeks, employs, promotes, and compensates qualified individuals based on ability, as demonstrated by performance and other legitimate nondiscriminatory factors, without regard to race, color, religion, national origin, citizenship, ancestry, sex (including sexual orientation, gender expression, and gender identity), age, physical or mental disability, pregnancy, genetic information, military status, veteran status, or any other protected status under federal, state (in Michigan: marital status, familial status, height, weight, and misdemeanor arrest record), or local law (individually and collectively, Protected Class). This employer participates in E Verify and will provide the federal government with your Form I 9 information to confirm that you are authorized to work in the United States. If E Verify cannot confirm that you are authorized to work, this employer is required to give you written instructions and an opportunity to contact Department of Homeland Security (DHS) or Social Security Administration (SSA) so that you can begin to resolve the issue before this employer can take any action against you, including terminating your employment. This employer can only use E Verify once you have accepted a job offer and completed Form I 9.