Customer Service Officer - Payments

Shift; Sydney; Hybrid; AUD 70,000 - 90,000; Full time

Benefits offered by this job

Flat structure

Roadmap updates every 100 days

Flexible working

Parental leave 26 weeks

Wellbeing benefits

Office spaces

Job summary

Shift is seeking a Customer Service Officer - Payments in Sydney to support day-to-day payment processing, monitoring, and investigation across multiple channels. You will ensure accurate processing, fund operational accounts, and resolve exceptions with timely customer support.

You will collaborate with internal teams and external partners to investigate payment failures, assist refunds, and maintain audit-ready records while adhering to controls and AML/CTF requirements.

Qualifications

• Experience in payments operations, banking operations, or similar transaction-processing environments.
• Experience investigating and resolving payment queries, exceptions, reconciliation discrepancies, and failed or delayed transactions.
• Experience working across payment channels such as NPP, direct debit/NDE, account transfers, international payments, refunds, or manual payments.

Responsibilities

• Manage day-to-day payment operations across multiple payment channels, including NPP, NDE, direct debit, BSB/account transfers, international payments, refunds, and manual payments.
• Support daily funding and top-up activities for Shift operational accounts, monitoring balances and escalating where funds may be insufficient to support customer payments and settlement requirements.
• Investigate and resolve inbound and outbound payment queries and exceptions, including rejected, reversed, dishonoured, delayed, duplicated, or incorrectly allocated payments.
• Complete payment reconciliations, refunds, manual payment sheets, and payment adjustments, investigating and resolving discrepancies across internal systems, bank accounts, and payment providers.
• Manage payment-related inbox queries and communicate directly with customers, providing clear updates and supporting timely resolution of payment issues.
• Liaise with external partners (Cuscal, Cache, and ThreatMetrix) to investigate payment failures, risk alerts, system issues, and other underlying payment incidents.

Skills

Payments operations

Customer communication

Reconciliation

Problem solving

Cross-functional collaboration

AML/CTF exposure

Attention to detail

Multi-channel payments

Education

Business/Finance degree beneficial

Tools

Payment platforms

Banking systems

Operational tools

Job description

Who is Shift?

At Shift, we're business specialists dedicated to helping Australian SMEs take control of their cashflow, streamline trade terms and choose the right financial products. We believe Australian businesses are the driving force behind our economy and are core to our communities. That's why our business expertise, focus on relationships, and market-leading technology is at the core of everything we do. We've helped solve the credit and payment pain points for more than 30,000 businesses, providing over $6 billion in aggregate funding. Our unique approach to product innovation combined with our collaborative culture means you can build your career in a supportive environment. You'll be joining a diverse team of over 300 people who are always looking to deliver better outcomes for Australian businesses.

About the role:

As a Customer Service Officer - Payments, you will support the day-to-day processing, monitoring, and investigation of customer payments across multiple payment channels. You'll ensure payments are processed accurately and efficiently, operational accounts are appropriately funded, exceptions and reconciliation issues are resolved, and customers receive timely support when payment issues occur.

You will work closely with internal teams and external partners-including Cuscal, Cache, and ThreatMetrix-to investigate payment failures, risk alerts, and system issues, support refunds and manual payment processes, and assist with payment incidents and reconciliations. The role is also responsible for maintaining accurate operational records and ensuring payment activities are completed in line with internal controls, regulatory requirements, and agreed service levels.

What you'll do:

• Manage day-to-day payment operations across multiple payment channels, including NPP, NDE, direct debit, BSB/account transfers, international payments, refunds, and manual payments.
• Support daily funding and top-up activities for Shift operational accounts, monitoring balances and escalating where funds may be insufficient to support customer payments and settlement requirements.
• Investigate and resolve inbound and outbound payment queries and exceptions, including rejected, reversed, dishonoured, delayed, duplicated, or incorrectly allocated payments.
• Complete payment reconciliations, refunds, manual payment sheets, and payment adjustments, investigating and resolving discrepancies across internal systems, bank accounts, and payment providers.
• Manage payment-related inbox queries and communicate directly with customers, providing clear updates and supporting timely resolution of payment issues.
• Liaise with external partners (Cuscal, Cache, and ThreatMetrix) to investigate payment failures, risk alerts, system issues, and other underlying payment incidents.
• Support payment incident management by identifying issues, assessing customer impact, escalating appropriately, and assisting with remediation and resolution.
• Review and process escalated onshore invoices requiring payment approval, ensuring appropriate validation, authorisation, and supporting documentation are completed prior to payment.
• Maintain accurate and audit-ready payment records; ensure activities are completed in accordance with internal controls, delegated authorities, AML/CTF requirements, payment scheme obligations, and agreed SLAs.

What you'll bring:

• Previous experience in payments operations, banking operations, financial services, or a similar transaction-processing environment.
• Experience investigating and resolving payment queries, exceptions, reconciliation discrepancies, and failed or delayed transactions.
• Experience working across payment channels such as NPP, direct debit/NDE, account transfers, international payments, refunds, or manual payments.
• Demonstrated experience communicating directly with customers and resolving payment-related issues clearly and promptly.
• Experience working with external payment providers, banking partners, or technology vendors to investigate operational or system issues.
• Strong understanding of operational controls, reconciliations, audit requirements, and working within established procedures and service levels.
• Exposure to AML/CTF, fraud, transaction monitoring, or financial crime processes within a regulated financial services environment is desirable.
• Strong payment investigation and problem-solving skills, with the ability to identify root causes and resolve issues efficiently.
• High level of accuracy and attention to detail when processing payments, reconciliations, refunds, and manual transactions.
• Strong written and verbal communication skills, with the ability to explain payment issues clearly to customers and stakeholders.
• Ability to manage multiple priorities, operational deadlines, and time-sensitive payment matters.
• Strong systems capability and confidence working across payment platforms, banking systems, and operational tools.
• Sound understanding of operational controls, risk management, and escalation requirements.

Qualifications:

• A business or finance degree is beneficial but not essential.

Key benefits:

• Collaborative teams - a flat structure means everyone can learn from colleagues and senior leaders around the business.
• Be involved - come together with all of your colleagues every 100 days to share the product and technology roadmap and business strategy.
• Flexible working environment - we're headquartered in North Sydney with state-based workplaces and offer a flexible work policy.
• Family support - industry leading 26 weeks paid parental leave.
• Purpose built spaces within our office - designed for collaboration, brainstorming, socialising, and focused work.
• Range of benefits supporting your physical, psychological and financial wellbeing. From a day off on your birthday to excellent end of trip facilities.