Central Operations Specialist

Hammerjack Pty Ltd; Philippines; On-site; PHP 600,000 - 800,000; Full time

Job summary

Hammerjack Pty Ltd is seeking a Central Operations Specialist to ensure accurate and efficient day-to-day card and payment operations. This role focuses on timely processing, regulatory compliance, and high-quality service delivery to internal and external stakeholders.

Strong attention to detail and commitment to continuous improvement are essential. You will handle settlement, reconciliation, and control activities across PhilPaSS, InstaPay, PESONet, and BSP-related processes, with

Qualifications

• Strong attention to detail and commitment to regulatory compliance.
• Experience with reconciliation, settlement, and financial control processes.
• Ability to collaborate with multiple internal teams and external partners.

Responsibilities

• Process settlement for the Bin Sponsorship Program, including CBS entries and RTGS encoding in PhilPaSS.
• Regularly reconcile InstaPay and PESONet transactions and identify variances.
• Prepare reconciliation logs, exception reports, and audit-ready documentation.
• Monitor PhilPaSS inflows/outflows and encode settlement instructions; process RTGS credits.
• Assist in Time Deposit placements, maturities, and bank certificates; support SOA validation.
• Prepare CTRs for KYC/Financial Crime compliance and ensure timely submission.
• Identify, validate, and escalate discrepancies to relevant teams.
• Provide operational insights to fix gaps and prevent recurring issues.
• Process PhilPaSS/RTGS settlements and monitor end-of-day balancing.
• Coordinate funding and settlement with Finance, IT, and banks.
• Ensure compliance with BSP regulations and clearinghouse rules.
• Support SOP enhancements to strengthen controls and efficiency.
• Respond to customer/intranet inquiries about card/payments; resolve disputes.
• Collaborate with internal teams and knowledge-share across the department.
• Suggest process improvements to reduce manual intervention and improve accuracy.

Skills

Attention to detail

Operational discipline

Continuous improvement

Job description

The Central Operations Specialist is responsible for the accurate and efficient execution of the bank's day-to-day card and payment operations. This role ensures timely processing, compliance with regulatory standards, and high-quality service delivery to internal and external stakeholders. It requires strong attention to detail, operational discipline, and a commitment to continuous improvement.

Card Operations Support

• Process Process settlement for the Bin Sponsorship Program, including the maintenance of entries in CBS and encoding of RTGS transactions in PhilPaSS.

Reconciliation, Settlement, and Financial Control Operations

• Conduct regular reconciliation of InstaPay and PESONet incoming and outgoing transactions, promptly identifying variances and ensuring timely clearance of discrepancies.
• Prepare and maintain reconciliation logs, exception reports, and supporting documentation to ensure audit readiness and compliance with internal controls.
• Responsible for monitoring inflow and outflow transactions in PhilPaSS, handling the encoding of settlement instructions, and processing the crediting of received RTGS transactions, ensuring accuracy, and completeness.
• Act as backup / reliever to the Central Operations Officer in the preparation and maintenance of Time Deposit (TD) placements, maturities, and bank certificates in accordance with established procedures and internal controls. Support the preparation and validation of Statements of Account (SOA) for clients, ensuring accuracy, completeness, and proper alignment with supporting records prior to submission. Likewise, assist in the preparation of Covered Transaction Reports (CTR) for endorsement to the KYC and Financial Crime department, ensuring accurate, complete, and timely submission in compliance with regulatory and internal requirements.

Exception Handling, Escalation & Coordination

• Identify, validate, and elevate any discrepancies found during reconciliation to relevant teams such as Solution Managers, IT, Client Success, or merchant partners.
• Provide operational insights for process gaps, system issues, or recurring mismatches and assist in developing preventive measures.

Settlement Processing

• Processing of PhilPaSS/RTGS settlement activities, including posting of settlement instructions, monitoring of settlement acknowledgments, and ensuring accurate end-of-day balancing.
• Monitor the sufficiency of funds in DDA and SSA accounts to ensure adequate balances for settlement and operational requirements, and promptly coordinate any funding requirements.
• Coordinate with Finance, IT, and correspondent banks to ensure smooth settlement operations and resolve any settlement exceptions.

Compliance, Risk & Control

• Ensure all operational activities comply with internal policies, BSP regulations, and applicable clearinghouse rules (BancNet, InstaPay, PESONet, PhilPaSS).
• Participate in internal and external audits, ensuring availability of complete documentation and timely closure of audit findings.
• Support enhancement of Standard Operating Procedures (SOPs) to strengthen controls and operational efficiency.

Customer Service and Issue Resolution

• Assist in responding to customer and internal inquiries regarding card or payment transactions.
• Support the resolution of complaints, disputes, and settlement issues in coordination with internal teams.
• Track and follow up on BSP tickets or regulatory inquiries to ensure timely closure.

Collaboration and Teamwork

• Work closely with colleagues within Central Operations, as well as other internal teams, to ensure seamless end-to-end processes.
• Participate in knowledge-sharing sessions and cross-training initiatives to build operational flexibility.

Continuous Improvement & Support

• Recommend process enhancements to improve accuracy, reduce manual intervention, and strengthen reconciliation and settlement efficiency.
• Collaborate with partners and service providers to align on process updates and operational improvements.