Analyst, Payment & Settlement Operations

RBC; Kuala Lumpur; On-site; MYR 60,000 - 110,000; Full time

Job summary

RBC is seeking an experienced Cash Management payments operations professional to support global payments processing and onboarding for cash accounts across all rails. You will work with Client Service Operations to define and implement client fulfillment, maintenance, and service models, focusing on a digitally driven, seamless client experience with RBC systems.

The role involves monitoring payments (FX, Wire, ACH), reconciling discrepancies, and collaborating with product teams to drive

Qualifications

• 1-3 years’ experience in payment process / onboarding role at a financial institution.
• Experience in managing Cash Management / Treasury product implementations, host-to-host/API solutions (file formats/connectivity 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 Nast cha rules and regulations.
• AAP Certification preferred but not required.

Responsibilities

• Monitor daily payment transactions – including FX, Wire and ACH.
• Resolve processing exceptions and payment investigations (FX, Wire, ACH).
• Monitor exposure limits for ACH Originators and liaise with Credit Risk.
• Perform reconciliations, identify discrepancies, and take corrective actions.
• Work with clients, product teams and account managers to resolve issues.
• Collaborate to create an end-to-end journey strategy and determine business value.

Skills

Payment processing

Onboarding experience

Cash Management/Treasury

Host-to-host/API integrations

SWIFT MT/CAMT formats

Nacha rules knowledge

AAP Certification (preferred)

Attention to detail

Tools

SWIFT FileAct

SFTP

APIs

Job description

Job Description

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.

Working Hours

6.00PM - 3.00AM

Job Description

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.

Working Hours

6.00PM - 3.00AM

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
• Leaders who support your development through coaching and managing opportunities
• Ability to make a difference and lasting impact
• Work in a dynamic, collaborative, progressive, and high-performing team
• Opportunities to do challenging work
• Opportunities to building close relationships with clients

Job Skills

Active Learning, Adaptability, Business Appraisals, Critical Thinking, Customer Service, Decision Making, Effectiveness Measurement, Operational Delivery, Process Improvements

Additional Job Details

Address

PERSIARAN IRC 2, IOI RESORT CITY IOI CITY TOWER ONE:PUTRAJAYA

City

Putrajaya

Country

Malaysia

Work hours/week

40

Employment Type

Full time

Platform

CAPITAL MARKETS

Job Type

Regular

Pay Type

Salaried

Posted Date

2026-07-08

Application Deadline

2026-08-31

Note

Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

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.