Payments Operations & Risk Associate

Axos Business Center, Corp; Manila; On-site; PHP 450,000 - 600,000; Full time

Job summary

Axos is seeking an Associate to provide operational and risk management support to the Commercial Banking Operations and Risk team in Manila. You will process and monitor payments across Check, ACH, Wire, and Instant Payment channels, ensuring accuracy, timeliness, and regulatory compliance, including NACHA rules and Reg E.

The role emphasizes a structured, process-driven environment with high daily transaction volumes and a focus on detail, compliance, and collaboration with onshore teams.

Qualifications

• High school diploma or equivalent required.
• Minimum 3–5 years of experience in banking operations, ACH processing, fraud operations or a related financial services role within a financial institution.
• Working knowledge of Wire, ACH, Check, and Instant Payment systems, and fraud typologies.
• Experience with fraud detection and monitoring platforms.
• Strong attention to detail and accuracy with the ability to process high volumes of transactions following defined procedures independently.
• Strong organizational and time‑management skills with the ability to manage multiple tasks and meet daily processing deadlines.
• Good written and verbal communication skills in English; ability to communicate clearly with internal team members and to escalates issues appropriately.
• Experience with Federal Reserve adjustment processing, check corrections, and exception item handling preferred.

Responsibilities

• Review and clear Check, ACH, Wire, and Instant Payment alerts in Verafin in accordance with established risk guidelines; maintain accurate alert documentation, case notes, and queue management.
• Clear flagged ACH credit transactions in compliance with updated NACHA operating rules governing RDFI monitoring of incoming credits, ensuring timely and accurate decisioning.
• Review and process ACH Proof of Authorization (POA) requests in accordance with NACHA operating rules and internal procedures.
• Generate and send ACH On‑US Return manual notices accurately and within required NACHA deadlines.
• Process incoming Fed adjustments items accurately and within established deadlines and procedures.
• Process check corrections accurately and in accordance with internal procedures and applicable banking regulations.
• Provide fraud investigation documentation and data entry support for cases initiated by the onshore team, including case file maintenance, evidence organization, and reporting assistance.
• Assist with developing and updating departmental procedures and process documentation to enhance operational efficiency and regulatory compliance.
• Communicate with internal team members and expedite items to onshore staff per established guidelines in a timely and accurate manner.
• Stay current on applicable banking regulations and operational requirements—including NACHA operating rules, Reg E, and UCC Article 4A—to ensure ongoing compliance.

Skills

Banking operations

ACH processing

Fraud monitoring

Attention to detail

Time management

English communication

Education

High school diploma

Tools

Verafin

Fraud detection platforms

Job description

Axos is seeking an Associate to provide operational and risk management support to the Commercial Banking Operations and Risk team in Manila. You will process and monitor payments across Check, ACH, Wire, and Instant Payment channels, ensuring accuracy, timeliness, and regulatory compliance, including NACHA rules and Reg E.

The role emphasizes a structured, process-driven environment with high daily transaction volumes and a focus on detail, compliance, and collaboration with onshore teams.