Payment Services officer

HSBC; Manama; Hybrid; BHD 30,000 - 60,000; Full time

Job summary

HSBC is seeking a role-holder to manage day-to-day payment processing and related operations, ensuring accurate interpretation of customer instructions and adherence to procedures. The position emphasizes maintaining strong controls, AML awareness, and timely responses while supporting NSC Clearing operations.

You will work within a flexible hybrid framework, collaborating with the Group Service Centre and various departments to safeguard service quality and regulatory compliance while

Qualifications

• Graduation degree essential for UAE visa/work permit; attestations if outside UAE may be mandatory.
• Understand systems HUB, SFE, and BCTS for end-to-end processing.
• Strong communication, analytical, and problem-solving skills.
• Plan and allocate team resources to cover day-to-day processing workload.
• Collaborate with line management and supporting departments as required.
• Escalate delays or issues promptly with appropriate stakeholders.

Responsibilities

• Manage day-to-day payment processing and related operational tasks.
• Monitor processing by Group Service Centre (GSC) and provide guidance as needed.
• Deliver high-quality service by accurately interpreting customer instructions per procedures and compliance standards.
• Maintain productivity levels and meet turnaround times and cut-offs.
• Identify fraud types, errors, and irregular transactions and act per procedures.
• Maintain AML and regulatory checks per compliance procedures.
• Build internal relationships and refer queries to relevant departments promptly.
• Respond to and resolve customer and internal queries within agreed timelines.
• Share knowledge with colleagues and assist on technical/escalated items.
• Ensure compliance with regulatory requirements and audit recommendations.

Skills

Communication skills

Analytical thinking

Problem solving

Team coordination

Education

Bachelor's degree

Tools

HUB

SFE

BCTS

Job description

If you’re looking for further opportunities to develop your career, take the next step in fulfilling your potential right here at HSBC.

The role-holder will continuously review and reassess the operational risks linked to the role and inherent in the business, considering changes in economic and market conditions, legal and regulatory requirements, operating procedures and practices, management restructures, and the impact of new technology. This will be achieved by ensuring all decisions and actions reflect the likelihood of operational risk occurring, and by raising and addressing any areas of concern in partnership with line management and/or the relevant department.

Duties & Responsibilities:

• Manage day-to-day payment processing activities and related operational tasks.
• Monitor and control processing handled by the Group Service Centre (GSC), providing guidance and support where required, and completing any complex processing within the section.
• Deliver a high-quality service by accurately interpreting and processing customer instructions and associated documentation, in line with procedures and compliance standards, to maximize customer satisfaction.
• Maintain agreed productivity levels, contributing to the section’s performance targets, and ensure work is prioritized and completed within required turnaround times and cut-offs.
• Identify common fraud types, errors, and irregular transactions, and take appropriate action in line with established procedures.
• Maintain ongoing awareness of Anti-Money Laundering (AML) and other legal/regulatory requirements, completing required AML, WOLF, and UV checks in accordance with compliance procedures.
• Build strong internal customer relationships, provide efficient and high-quality service, and ensure timely, accurate referrals to relevant departments.
• Respond to and resolve customer and internal queries raised through various channels within agreed timelines.
• Share knowledge and experience with colleagues, supporting them on technical or escalated items.
• Ensure full compliance with regulatory requirements and implement/adhere to all internal, external, and CBB audit recommendations (current and prior).
• Manage operational risk in line with the Group Operational Risk Framework (including section 3.1 of the Group Operational FIM), maintain HSBC internal control standards, and remain aware of the operational risk scenarios associated with the role.
• Always Comply with Information Security Risk requirements and applicable controls.
• Support the smooth and effective running of NSC Clearing operations, balancing speed and accuracy to meet stringent cut-off times and minimizing potential financial loss to the Bank.
• Apply strong problem-solving skills and proactive risk awareness, anticipating issues before they become critical and escalating promptly to management.
• Contribute to continuous improvement by applying creative thinking to enhance service quality and operational standards in a competitive environment.

Experience & Qualifications:

• A graduation degree is essential for obtaining a UAE visa and work permit. If your university certificate is from outside the UAE, up-to-date attestations and equivalency are also mandatory (Recognition of Higher Education Qualifications Issued Outside The UAE)
• Maintain a thorough, end-to-end understanding of all relevant systems, including HUB, SFE, and BCTS.
• Demonstrate strong communication, analytical, and problem-solving skills.
• Plan and allocate team resources effectively to ensure sufficient capacity for day-to-day processing activities.
• Work closely with line management and collaborate with supporting departments and branches as required.
• Conduct regular follow-ups, escalating delays or issues to the appropriate level in a timely manner.
• Show a high level of ownership and commitment, resolving both people- and process-related issues promptly.

We support our staff to adopt flexible and alternative ways of working where possible, including working from home and different hours subject to approvals.

HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

Issued by The Hong Kong and Shanghai Banking Corporation Limited