Payments Specialist

ANZ; Mumbai; On-site; INR 800,000 - 1,200,000; Full time

Job summary

ANZ in Mumbai is seeking a Senior Payment Operations professional with 5+ years of experience in Cross Border payments, RTGS and NEFT. The role focuses on ensuring high levels of transaction processing, regulatory reporting, and risk management within bank policy and local regulations.

You will support team members and managers to meet customer requirements, coordinate with Back Office in Bangalore, and uphold accurate, compliant transaction processing and reporting.

Qualifications

• 5+ years of experience in Payment Operations (Cross Border, RTGS, NEFT).
• Understanding of ANZ Risk and Compliance management.
• Strong knowledge of e-payment tools and regulatory requirements.
• Ability to manage conflicts and escalations to support risk-aware operations.
• Familiarity with Institutional Banking operations, instruments, and processes.
• Knowledge of statutory and regulatory requirements.
• Good written and verbal communication skills.
• Able to take initiative and stay persistent in issue resolution.
• Education in Banking/Financial Services.

Responsibilities

• Balance cash and ensure accurate end-of-day processing according to policy.
• Coordinate with Back Office for transaction processing from Bangalore.
• Maintain accurate regulatory reporting and escalation procedures.
• Ensure compliance with regulatory and internal guidelines.
• Provide support to team members and managers to meet customer requirements.
• Deliver accurate and timely transaction processing with a focus on risk controls.
• Assist customers and refer queries to Customer Service Manager when needed.
• Develop knowledge across operations and be prepared to cross-train.

Skills

Payment Ops

Regulatory knowledge

Risk management

Regulatory compliance

Stakeholder communication

Institutional Banking ops

Proactive problem solving

Education

Tertiary education in Banking/Financial Services

Job description

Job Summary

You will be:

• Responsible for ensuring a high level of transaction processing for all cash deposits, withdrawals, including middle office payment and cash operations within Bank policy and procedures, and local regulations.
• Responsible for providing support for team member / Manager to meet customer s requirement.

Role Type: Full Time, Permanent

Role Location: Mumbai

Responsibilities

• Balancing cash at the end of day and ensure cash Intraday overnight is keeping within the limit.
• Responsible for cash Loss.
• Coordinate with the team member for those transactions to be processed by Back office in Bangalore.
• Ensure internal accounts reconcilliation with proper escalation matrix in place.
• Accurate, complete timely regulatory reporting applicable to all regulators.
• Ensuring levy of agreed tariff for products serviced by the unit.
• Ensure accurate efficient completion of all transactions.
• Provide advice assistance to any customer enquiries or refer them promptly to Customer Service Officer/Manager for handling.
• Provide a responsible accurate telling service by maintaining applying an up to date knowledge of transaction banking policies, practices, procedures and law.
• Ensuring that work instruction are updated and relevant to the operating environment and applicable regulatory/internal guidelines.
• Upskill and learn other areas of operations and be ready to cross support them after gaining adequate knowledge.
• Foster sound working relationships with the sales, implementation and client servicing teams to deliver superior customer service.

Qualifications

• 5+ years of experience in Payment Operations (like Cross Border payments, RTGS and NEFT)
• Exposure and thorough understanding of ANZ Risk and Compliance management
• Strong knowledge of e-payment tools and regulatory requirements
• Ability to manage conflicts and/or escalations in a productive manner which encourages active operational risk management to ensure a well-managed business
• Knowledge of Institutional Banking operations, instruments and processes
• Knowledge of statutory and regulatory requirements
• Reasonable written and oral communication skills
• Able to use initiative, take action and be persistent in addressing issues
• Tertiary education in Banking Financial Services

You re not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we d love to hear from you.