Payments Operations Specialist – Customer Support & Reconciliations

Shift; North Sydney; Híbrido; AUD 70 000 - 95 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Collaborative teams

Roadmap updates every 100 days

Flexible work policy

26 weeks parental leave

Office spaces designed for work

Wellbeing benefits

Resumo da oferta

Shift is seeking a Customer Service Officer - Payments to support day-to-day payment processing across multiple channels. You will investigate payment failures, assist with refunds and reconciliations, and ensure records meet internal controls and regulatory requirements.

You will collaborate with internal teams and external partners to resolve payment issues, manage funding for operational accounts, and maintain accurate documentation while keeping customers informed.

Qualificações

• Experience in payments operations or banking operations.
• Ability to investigate payment queries and reconcile discrepancies.
• Experience with multiple payment channels (NPP, direct debit, international payments).
• Strong customer communication skills for resolving payment issues.

Responsabilidades

• Manage day-to-day payment operations across channels (NPP, NDE, direct debit, transfers).
• Support funding activities for Shift accounts and monitor balances.
• Investigate payment failures, risk alerts and system issues with partners.
• Perform reconciliations, refunds, and manual payment adjustments.
• Maintain accurate payment records and comply with internal controls and AML/CTF requirements.
• Communicate with customers to provide clear updates on issues.

Conhecimentos

Payments operations

Customer communication

Reconciliation & investigations

Payment channels knowledge

Attention to detail

Time management

Regulatory awareness

Formação académica

Business or finance degree

Descrição da oferta de emprego

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.

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.