Senior Officer, Payment Investigation

First Abu Dhabi Bank FAB; Abu Dhabi; On-site; AED 120,000 - 180,000; Full time

Job summary

First Abu Dhabi Bank FAB is seeking a Senior Officer Payment Investigation to manage payment exceptions, reconcile Nostro and Inter-Branch accounts, and investigate discrepancies for timely risk-managed resolution.

The role requires experience with Cards, Nostro, internal reconciliation, SWIFT standards, and MIS reporting, ensuring BAU timelines and strong service delivery to internal and external customers.

Qualifications

• Bachelor's degree in Business Economics, Commerce, Accounting, Finance, or related discipline.
• 3-5 years of banking-sector experience.
• At least 3 years in a similar account reconciliation role.
• Practical experience in Cards, Nostro, and internal reconciliation.
• Knowledge of IntelliMatch or similar reconciliation systems.
• Knowledge of SWIFT standards MT940 and MT950.
• Experience in exception management, payment investigation, operational risk, and MIS reporting.

Responsibilities

• Reconcile Nostro, Inter-Branch General Ledger, card, ATM, CDM and other accounts.
• Verify ledger entries against bank statements and branch ledgers.
• Investigate outstanding items, payment discrepancies, overdrafts, and non-receipt of funds.
• Follow up with branches, departments, business units and correspondent banks until items are resolved.
• Escalate payment exceptions per BAU timelines and escalation matrices.
• Initiate and manage exception-related correspondence via ITRACS.
• Ensure outstanding items are reflected in reconciliation system.
• Monitor Nostro service charges and escalatory matters with FI Group as needed.
• Prepare SWIFT messages for follow-up with correspondent banks.
• Support settlement of deal-rounding differences due to exchange-rate variations.
• Prepare daily MIS reports, dashboards, exception and traffic-light reports.
• Maintain daily tick lists and timely completion of time-sensitive tasks.
• Escalate operational risks and incomplete tasks to Senior Officer/Section Head.
• Update and file records and supporting documents daily.
• Respond promptly to inquiries from internal and external customers.
• Support workload distribution and coverage during leaves.
• Suggest improvements for efficiency, quality, risk controls and reconciliation processes.
• Follow all departmental policies and internal controls.

Skills

Analytical thinking

Investigative skills

Attention to detail

Escalation skills

Communication skills

Time management

Education

Bachelor's degree in Business Economics, Commerce, Accounting, Finance, or related discipline

Tools

IntelliMatch

SWIFT MT940/MT950

Job description

Job Purpose

The Senior Officer Payment Investigation is responsible for managing payment exceptions reconciling Nostro and Inter-Branch accounts and investigating discrepancies related to non-receipt or defaulted funds The role ensures that exceptions are handled according to established Business-as-Usual timelines escalation matrices reconciliation policies and operational procedures It also supports risk mitigation timely reporting accurate account monitoring and effective service delivery to internal and external customers

Key Responsibilities

• Reconcile Nostro Inter-Branch General Ledger card ATM CDM and other assigned accounts
• Verify that ledger entries match bank statements and branch ledger entries
• Investigate outstanding items payment discrepancies overdrafts deal-rounding differences and non-receipt of funds
• Follow up with relevant branches departments business units and correspondent banks until outstanding items are resolved
• Escalate payment exceptions according to agreed BAU timelines risk levels and escalation matrices
• Initiate and manage exception-related correspondence through the ITRACS Exception Management interface
• Ensure outstanding items are accurately reflected in the reconciliation system
• Monitor Nostro account service charges and escally matters to the Financial Institutions Group when required
• Prepare SWIFT messages for follow-up with correspondent banks
• Support the monthly settlement of deal-rounding differences resulting from exchange-rate variations
• Prepare accurate daily MIS reports dashboards exception reports statistics and traffic-light reports
• Maintain daily tick lists and ensure all time-sensitive activities are completed within the required timelines
• Escalate operational risks irregularities and incomplete tasks to the Senior Officer or Section Head
• Ensure records and supporting documents are updated and filed daily
• Respond promptly to inquiries from internal and external customers
• Support workload distribution and provide coverage during employee leave or absence
• Contribute suggestions to improve operational efficiency service quality risk controls and reconciliation processes
• Follow all departmental policies procedures operating standards and internal control requirements
• Demonstrate the organisation s values and ethical standards at all times

Qualifications

Bachelor s degree in Business Economics, Commerce, Accounting, Finance, or a related discipline. Experience and Technical Knowledge 3 5 years of relevant banking-sector experience. At least 3 years of experience in a similar role involving account reconciliation. Practical experience in Cards, Nostro, and internal account reconciliation. Knowledge of IntelliMatch or similar reconciliation systems. Knowledge of SWIFT standards, particularly MT940 and MT950 messages. Experience in exception management, payment investigation, operational risk, and MIS reporting

Key Competencies

Strong analytical and investigative skills. Good judgment and decision-making ability. High attention to detail and accuracy. Effective follow-up and escalation skills. Ability to manage time-sensitive and high-volume activities. Strong understanding of operational risk and control procedures. Good written and verbal communication skills. Ability to work effectively with internal departments and correspondent banks