Precision Payments Operations & Reconciliation Specialist

YTL Digital Bank Berhad (Registration No. 202201037182 (1482879-P); Kuala Lumpur; On-site; MYR 42,000 - 66,000; Full time

Job summary

Ryt Bank, in Kuala Lumpur, Malaysia, is seeking a Payments Operations Officer to manage day-to-day business and retail banking payment activities with a focus on accuracy, timeliness, and strict control standards. You will verify transactions, handle RPP, GIRO and RENTAS, perform maker-checker duties, and collaborate with internal teams to resolve issues while maintaining strong risk controls.

Ideal candidates have a related degree and 1–3 years of banking operations experience, plus Excel

Qualifications

• Bachelor's degree in Banking, Finance, Accounting, Business, or related discipline.
• 1–3 years of relevant experience in banking operations, payment operations, transaction banking, or financial services.
• Basic knowledge of payment processing and settlement.
• Good analytical and problem-solving skills.
• Strong attention to detail and ability to work under time-sensitive conditions.
• Good communication and stakeholder-management skills.
• Good working knowledge of Microsoft Office, particularly Excel.

Responsibilities

• Process and verify business banking payment transactions in accordance with approved procedures and customer instructions.
• Handle RPP payments, fund transfers, GIRO and RENTAS instructions, and other applicable payment transactions.
• Ensure payments are processed within applicable cut-off times and service-level agreements.
• Perform maker/checker activities and transaction verification where required.
• Monitor payment queues and follow up on pending, rejected, or incomplete transactions.
• Investigate rejected, returned, failed, or delayed payments and take appropriate corrective action.
• Handle payment recalls, amendments, cancellations, and payment-related enquiries.
• Liaise with internal teams and relevant payment service providers or correspondent banks to resolve payment issues.
• Escalate complex or unusual cases to the Senior Officer or Team Lead.
• Perform daily reconciliation of payment transactions and investigate outstanding items or discrepancies.
• Ensure all transactions are properly accounted for and supporting documentation is maintained.
• Follow established operational controls, procedures, and segregation-of-duty requirements.
• Escalate operational risks, control gaps, and potential suspicious activities through the appropriate channels.
• Support Relationship Managers, Customer Service, Product, Compliance, Finance, and other internal stakeholders on payment-related matters.
• Provide timely updates on payment status and investigations.
• Ensure business customer enquiries are handled professionally and within agreed turnaround times.
• Identify recurring operational issues and suggest improvements to reduce errors and manual processing.
• Participate in system testing, process changes, product launches, and operational projects when required.
• Maintain up-to-date knowledge of payment processes, procedures, and relevant regulatory requirements.

Skills

Analytical skills

Problem-solving

Communication & Stakeholder Management

Detail-oriented

Excel proficiency

Education

Bachelor's degree in Banking, Finance, Accounting, Business, or related discipline

Tools

Microsoft Excel

Job description

Ryt Bank, in Kuala Lumpur, Malaysia, is seeking a Payments Operations Officer to manage day-to-day business and retail banking payment activities with a focus on accuracy, timeliness, and strict control standards. You will verify transactions, handle RPP, GIRO and RENTAS, perform maker-checker duties, and collaborate with internal teams to resolve issues while maintaining strong risk controls.

Ideal candidates have a related degree and 1–3 years of banking operations experience, plus Excel