Associate, Payment & Settlement

RBC; Halifax; On-site; CAD 60,000 - 80,000; Full time

Job summary

RBC in Halifax is seeking a capable Client Services Operations specialist to manage daily payment processing for cash accounts across rails such as FX, Wire, and ACH within Capital Markets.

In this role you will work with product, engineering and account managers to resolve issues, monitor exposure, and help shape a digitally driven client service model that aligns with regulatory requirements and RBC standards.

Qualifications

• Experience in payment process / onboarding roles at a financial institution delivering seamless digital experiences.
• Experience with Cash Management / Treasury product implementations, host-to-host/API solutions (SWIFT FileAct, SFTP).
• Experience with account statement formats (MT/CAMT/BAI2) over SWIFT/host-to-host delivery channels.

Responsibilities

• Monitor daily payment transactions across FX, Wire and ACH.
• Resolve processing exceptions including authorizations, recalls, reversals and trace requests.
• Monitor exposure limits for ACH Originators and liaise with Credit Risk teams.
• Perform reconciliation, identify discrepancies and take corrective actions.
• Work with clients to resolve issues and collect customer needs with product teams and account managers.
• Contribute to end-to-end journey strategy from inception and determine business value.

Skills

Customer Service

Customer Service Management

Decision Making

Interpersonal Relationship Management

Investment Performance Measurement

Operational Delivery

Process Improvements

Risk Management

Time Management

Treasury Management

Job description

Job Description

What is the opportunity?

• Global payments processing and servicing for cash accounts across all payment rails and product types while maintaining operational excellence and enabling business growth.
• Client Service Operations will focus on establishing product vision, strategy and roadmap for the newly established Cash Management business in RBC US as well as support with Payment & Settlement services across Capital Markets.
• Payment & Settlement Services is responsible for working with the Cash Management journey owners to establish a client service model that is digitally driven to provide seamless client interaction with RBC systems and staff
• This role will define, prioritize and implement client fulfillment, maintenance and service models and processes. CORE integration and liquidity models for the US cash management to deliver client backed digital first solutions.
• The Operations team is committed to offer support to our clients and to reimagine how payments will evolve to move their money in a convenient and secure manner while remaining compliant with payment regulations.
• The role requires cross-functional collaboration with Client Oversight, Product, Engineering, and our GTM teams. Additionally, you will be responsible for providing day-to-day operational support to our clients.

What will you do?

• Monitor daily payment transactions – including but not limited to both FX, Wire and ACH
• Resolve processing exceptions - Responsible for payment Investigations for both FX, Wire and ACH including but not limited to request for authorization, ACH Recalls, ACH Reversals, and Trace Requests.
• Monitor exposure limits for ACH Originators, including acting as a liaison between our Client and Credit Risk teams.
• Performing reconciliation, identify discrepancies, and perform corrective actions
• Working directly with clients to resolve issues; gathering customer needs and working with the product team and account managers to resolve them
• Collaborate to create an end-to-end journey strategy from inception, and determine business value to be created

What do you need to succeed?

• 1-3 years’ experience in payment process / onboarding role experience working at a financial institution and delivering seamless digital experience
• Experience in managing Cash Management /Treasury product implementations, host to host/API solutions (file formats/connectivity protocols such as SWIFT FileAct, SFTP)
• Experience in implementing account statement formats (MT/CAMT/BAI2) over SWIFT and host to host delivery channels
• Strong understanding of Cash Management Products such as Wire, ACH, RTP, Check
• Familiar with the Nacha rules and regulations
• Accredited ACH Professional (AAP) Certification preferred but not required

What's in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

• A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable
• Work in a dynamic, collaborative, progressive, and high-performing team
• Opportunities to do challenging work
• Opportunities to build close relationships with clients
• Access to a variety of job opportunities across business and geographies

#LI-KA2

Job Skills

Customer Service, Customer Service Management, Decision Making, Interpersonal Relationship Management, Investment Performance Measurement, Operational Delivery, Process Improvements, Risk Management, Time Management, Treasury Management

Additional Job Details

Address:

1597 BEDFORD HWY:HALIFAX

City:

Halifax

Country:

Canada

Work hours/week:

37.5

Employment Type:

Full time

Platform:

CAPITAL MARKETS

Job Type:

Regular

Pay Type:

Salaried

Posted Date:

2026-09-02

Application Deadline:

2026-09-16

Our Employment Opportunities

At RBC, we are guided by living shared values of Client First, Integrity, Collaboration, Respect and Excellence and winning together as One RBC. We believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.