Real Time Payments Analyst

U.S. Bank; Warszawa; On-site; PLN 120,000 - 190,000; Full time

Job summary

U.S. Bank's Elavon division seeks a Real Time Payments Analyst to monitor RTP and FedNow environments during weekends and non‑standard hours, ensuring timely and accurate processing and robust risk management.

You will investigate exceptions, perform reconciliations, document incidents, and work with technology, operations, risk, and vendors to maintain reliability and audit readiness. This role requires attention to detail and the ability to escalate issues clearly.

Qualifications

• Bachelor’s degree or equivalent work experience.
• 5–8 years in payment operations or financial services.
• Strong knowledge of payment processing, reconciliation, and operational controls.
• Familiarity with RTP and FedNow environments.
• Ability to work independently during weekends, holidays, and non-standard hours.
• Strong analytical, problem-solving, and organizational skills.
• Effective written and verbal communication skills.

Responsibilities

• Monitor Immediate Payments systems, queues, alerts, dashboards, and transaction activity.
• Perform system checks, including transaction status reviews, exception monitoring, network validation, and readiness checks.
• Investigate and triage operational exceptions, payment delays or failures, and system alerts.
• Escalate issues to appropriate stakeholders in line with procedures.
• Support production validation activities, including maintenance windows, system releases, upgrades, and resiliency events.
• Research and resolve payment exceptions such as rejected, pending, incomplete, or duplicate transactions.
• Perform reconciliation and balancing activities, including general ledger review and settlement verification.
• Respond to operational inquiries via shared mailboxes and escalation channels.
• Maintain accurate documentation of system activity, incidents, and resolutions for audit.
• Identify recurring issues and propose improvements to enhance reliability and risk management.

Skills

Payment operations

RTP & FedNow

Reconciliation

Operational controls

Weekend shifts

Data analysis

Communication

Education

Bachelor’s degree

Equivalent work experience

Job description

At U.S. Bank, we’re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions, enabling the communities we support to grow and succeed in the right ways, all more confidently and more often—that’s what we call the courage to thrive. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive. Try new things, learn new skills and discover what you excel at—all from Day One.

As a wholly owned subsidiary of U.S. Bank, Elavon is committed to building the platforms and ecosystems that help over 1.5 million customers around the world to achieve their financial goals—no matter what they need. From transaction processing to customer service, to driving innovation and launching new products, we’re building a range of tailored payment solutions powered by the latest technology. As part of our team, you can explore what motivates and energizes your career goals: partnering with our customers, our communities, and each other.

We actively uphold transparent and fair hiring practices that support individual opportunity, inclusive culture, and career mobility across all levels of our organisation.

We offer meaningful opportunities for growth, a culture of inclusion, and a strong commitment to transparency and integrity in everything we do.

Job Description

Under limited supervision, the Real Time Payments Analyst supports U.S. Bank’s 24x7x365 Immediate Payments operating environment. This role is responsible for monitoring, researching, reconciling, documenting, and escalating activity related to Real-Time Payments (RTP) and FedNow, primarily during weekends, holidays, and other non-standard business hours. The analyst ensures timely and accurate payment processing while supporting operational risk management and service continuity across business‑critical payment platforms.

Responsibilities

• Monitors Immediate Payments systems, queues, alerts, dashboards, and transaction activity to verify expected processing and identify issues.
• Performs scheduled system checks, including transaction status reviews, exception monitoring, network validation, and operational readiness checks.
• Investigates and triages operational exceptions, payment delays or failures, and system alerts.
• Escalates issues to appropriate stakeholders (technology, operations, product, risk, compliance, vendors, and networks) in line with established procedures.
• Supports production validation activities, including maintenance windows, system releases, upgrades, and resiliency events.
• Researches and resolves payment exceptions such as rejected, pending, incomplete, or duplicate transactions.
• Performs reconciliation and balancing activities, including general ledger review, offset validation, and settlement verification.
• Responds to operational inquiries via shared mailboxes, case systems, and escalation channels.
• Maintains accurate documentation of system activity, incidents, and resolutions to support audit and compliance requirements.
• Identifies recurring issues and process gaps, recommending improvements to enhance reliability, customer experience, and risk management.

Basic Qualifications

• Bachelor’s degree, or equivalent work experience
• Five to eight years of experience in payment operations, financial services, or a related business function
• Strong knowledge of payment processing, reconciliation, exception handling, and operational controls
• Familiarity with Immediate Payments frameworks, including RTP and FedNow environments
• Ability to work independently during weekends, holidays, and non-standard hours
• Strong analytical, problem-solving, and organizational skills
• Effective written and verbal communication skills

Preferred Skills

• Experience with real-time payment operations and settlement processes
• Understanding of regulatory, compliance, and audit requirements within financial services
• Experience documenting incidents, procedures, and operational controls

Work Environment and Risk

This role requires a high level of attention to detail, timely decision‑making, and adherence to established procedures. The analyst is responsible for appropriately escalating issues that may impact customer experience, financial exposure, regulatory obligations, or U.S. Bank’s reputation. Accurate documentation and compliance with policies, standards, and procedures are essential.

Shift Pattern

Tuesday- Saturday - 7am - 3pm

This role requires working from a U.S. Bank location three (3) or more days per week.

Accessibility

We are committed to providing an inclusive and accessible recruitment experience. If you need adjustments at any stage of the application or hiring process, please contact your recruiter for guidance and support.

Total Rewards

U.S. Bank is committed to fair, equitable, and transparent compensation practices in line with local regulatory and legal requirements. Our total rewards approach is designed to attract, retain, and support top talent while ensuring equal pay for work of equal value.

We offer a market‑competitive compensation package that includes:

• Clearly defined salary ranges aligned with industry benchmarks and internal equity standards.
• Performance‑based incentives for eligible employees (as defined by relevant plan rules), awarded through transparent, objective criteria that recognize both individual and company performance.
• Inclusive equitable benefits that are accessible to all employees and focused around our 3 main pillars of financial wellbeing, health & wellness).
• Continuous development opportunities including training, education support, and career progression pathways based on inclusive and transparent criteria.
• Employee recognition programs that celebrate achievements and milestones for all.

We regularly review our compensation and benefits to ensure they remain competitive, inclusive, and responsive to employee needs and market trends. Further details of the compensation package will be provided upon application.

We encourage candidates to explore the full value of our offer, including monetary and non‑monetary benefits, at Employee benefits and development | U.S. Bank | Elavon.

Closing Date

Posting may be closed earlier due to high volume of applicants.

We aim to provide timely updates throughout the process and encourage early applications to ensure consideration.