ePayments Representative

Overview

This role supports the accurate, timely, and compliant processing of electronic banking transactions. Duties include operational and administrative tasks involving ACH payments, wire transfers, mobile remote deposits, personalized bill payments, reconciliations, and customer support.

Responsibilities

• Process, balance, reconcile, and monitor customer-initiated electronic transactions within established deadlines.
• Support ACH processing, returns, prenotifications, Positive Pay exceptions, and U.S. Treasury reclamations.
• Monitor outgoing online banking wire transfers and complete required verification and approval steps.
• Process mobile remote deposits, personalized bill payments, and loan payment maintenance requests.
• Investigate discrepancies, resolve transaction issues, and respond to customers and Relationship Managers.
• Maintain operational reports and supporting documentation while following dual-control, segregation-of-duties, and approval requirements.
• Identify and escalate suspicious or potentially fraudulent activity in accordance with bank policy.

Requirements

Education and Experience

• High school diploma or equivalent.
• 2+ years’ experience in banking operations, preferably involving ACH processing, wire transfers, electronic payments, and bill payment services.
• A combination of education and experience will be considered.

Skills and Competencies

• Working knowledge of accounting principles, bank reconciliations, and general ledger systems.
• Knowledge of electronic banking operations, including ACH, wire transfers, bill payments, and mobile remote deposits.
• Working knowledge of, or ability to learn, applicable payment and banking regulations and rules, including:
  • NACHA Operating Rules
  • Regulation E
  • Regulation CC
  • BSA/AML and OFAC requirements
• Ability to assist customers with software-related issues and troubleshoot electronic banking problems by telephone.
• Ability to handle confidential financial information with discretion and professionalism.
• Strong analytical, problem-solving, organizational, and time-management skills, including the ability to investigate discrepancies, manage competing priorities, and meet deadlines.
• Strong attention to detail and ability to follow procedures and interpret instructions accurately.
• Strong written and verbal communication, interpersonal, and customer service skills.
• Proficiency in Microsoft Office applications, including Excel, Word, and Outlook.

Preferred Qualifications

• Associate’s degree in business administration, Finance, Accounting, or a related field.
• Bilingual (English and Spanish).

Licenses and Certifications

• None required; Accredited ACH Professional (AAP) designation preferred.

Location

• Remote from Miami, Florida, United States.