Digital Payments Specialist

First Bank; Greensboro (NC); On-site; USD 55,000 - 75,000; Full time

Job summary

First Bank is seeking a Digital Payments Specialist in Greensboro, NC to process wire and ACH transactions across multiple systems, ensuring accuracy and regulatory compliance. The role involves data review, exception handling, OFAC and fraud checks, and strong collaboration with internal teams and vendors.

Ideal candidates will have banking/financial services experience and familiarity with AML, BSA, OFAC, ACH rules, and UCC Article 4A.

Qualifications

• High school diploma or GED required
• Minimum of two years banking or financial services experience
• Experience with wire/ACH operations preferred
• Knowledge of AML, BSA, OFAC, ACH rules, and UCC Article 4A

Responsibilities

• Process wire and ACH transactions across multiple systems accurately
• Review transaction data for accuracy and regulatory compliance
• Perform OFAC and fraud-related reviews and resolve exceptions
• Provide customer support and respond to inquiries regarding payment orders
• Coordinate with internal partners and vendors to resolve issues and ensure timely processing

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Digital Payments Specialist

Digital and Core Data Solutions Full Time Clerical Greensboro, NC, US

2 days ago Requisition ID: 3783

SUMMARY:

The Digital Payments Specialist processes wire and ACH transaction origination across multiple systems while maintaining accuracy, regulatory compliance, and timely service. The position reviews transaction data, researches and resolves payment exceptions, performs OFAC and fraud-related reviews, supports internal and external customers, coordinates with business and vendor partners, and maintains complete records. Success in the role requires banking or financial services experience, working knowledge of wire and ACH operations, and familiarity with applicable requirements, including AML, BSA, OFAC, UCC Article 4A, and ACH rules.

ESSENTIAL FUNCTIONS:

• Transaction Processing: Execute incoming and outgoing payment transactions accurately across multiple digital payment systems. Extract payment files from online banking systems and upload them to the appropriate wire-processing systems in accordance with established procedures.
• Data Management: Review transaction instructions submitted by internal bank partners and online banking customers for accuracy, OFAC and BSA compliance, and potential fraud. Complete required data entry and accurately post debits and credits to the appropriate accounts, including demand deposit accounts and general ledger accounts.
• Compliance: Ensure that all payment processing complies with departmental policies, applicable banking regulations which also include AML, the Bank Secrecy Act, UCC Article 4A, ACH rules, and relevant industry standards.
• Customer Service: Complete callbacks for wire transactions flagged as suspicious in online banking and elevate cases to Risk when warranted. Complete callbacks for wire transactions over $250,000. Respond to customer and internal-team inquiries regarding payment orders, research requests and confirmations.
• Liaison and Collaboration: Serve as a point of contact among the Bank, third-party vendors, technical personnel, and other business units. Coordinate with these partners to investigate issues, communicate status, and support timely resolution.
• Apply knowledge of Bank operations to complete assigned daily, monthly, and quarterly responsibilities accurately and on schedule.
• Complete daily transfers as required by any agency associated with wire processing and as needed for balancing.
• Maintain complete and accurate documentation for wire-processing activities and provide requested records to auditors and examiners in accordance with established procedures.
• Prepare and distribute required statements and operational reports accurately and within established deadlines.
• Participate in conversions and acquisitions as needed and assigned.
• Support wire-system software releases and updates by testing and validating new or modified functionality.
• Complete required annual compliance training and adhere to all corporate policies, procedures and applicable federal and state laws and regulations, including the Bank Secrecy Act and the Anti-Money Laundering Act.
• Adheres to our Service Excellence standards and promotes their implementation with peers and associates they support.
• Perform other duties as required.

GENERAL QUALIFICATIONS:

Knowledge & Experience: These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. Individual abilities may result in some deviation from these guidelines.

• High school diploma or general education degree (GED); or the equivalent combination of education and experience.
• Minimum of two years either banking or financial services experience, including firsthand experience processing with wire operations, ACH origination operations, or performing both functions.
• Educational experience, through in‑house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
• Intermediate knowledge of Bank operations and other Bank operational policies and procedures.
• Excellent organizational and time management skills - ability to work with minimal supervision.
• Intermediate skills in computer terminal and personal computer operation; word processing, spreadsheet and specialty software programs.
• Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct personnel.
• Wire Room employees have been designated as essential employees requiring office or VPN access in event of inclement weather/disaster etc., as defined by the Bank’s BCP.

Physical Demands/Work Environment:Vision, hearing, speech, dexterity, visual concentration. A valid driver’s license is required. Must have the ability to stand, walk, sit and use hands and fingers. Must have the ability to work the hours and days required to complete the essential functions of the position, as scheduled. The environment is a professional office with standard office equipment.

Cognitive Requirements: Learning, thinking, concentration, ability to exercise self-control, ability to work in a customer relations’ environment. Must be able to pay close attention to detail and be able to work as a member of a team. Must have the ability to interact effectively with co-workers and customers, and exercise self-control and diplomacy in customer and employee relations’ situations. Must have the ability to exercise discretion as well as appropriate judgments when necessary.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.