Electronic Payments Operations & Compliance Specialist

Third Coast Bank; Humble (TX); On-site; USD 90,000 - 120,000; Full time

Job summary

Third Coast Bank in Humble, TX is seeking an Electronic Payments Operations Specialist III to support advanced processing across ACH, RTP, FedNow, Zelle, and related channels. This role requires in-depth knowledge of payment rules, regulatory requirements, fraud controls, and operational risk, with hands-on experience in complex settlement, reconciliation, and exception handling.

The ideal candidate will serve as a subject-matter expert, help design and strengthen payment programs, ensure

Qualifications

• Minimum of a high school diploma; degree preferred in business, finance, banking, or risk management.
• Experience with ACH and other payment channels to support operations.

Responsibilities

• Perform advanced operations across ACH, RTP, FedNow, Zelle, and other payment rails.
• Research, reconcile, and resolve complex payment activity and exceptions.
• Support onboarding, reviews, and controls processes for payment clients.

Skills

ACH processing

Regulatory compliance

Fraud controls & risk

Analytical thinking

Attention to detail

Communication skills

Independent work

Payment channels knowledge

Education

Bachelor's degree in Business/Finance/Risk

Certifications: AAP/APRP/FPP preferred

Tools

FIS IBS Insight

Case management tools

Online banking platforms

Fraud monitoring tools

Payment processing systems

Job description

Third Coast Bank in Humble, TX is seeking an Electronic Payments Operations Specialist III to support advanced processing across ACH, RTP, FedNow, Zelle, and related channels. This role requires in-depth knowledge of payment rules, regulatory requirements, fraud controls, and operational risk, with hands-on experience in complex settlement, reconciliation, and exception handling.

The ideal candidate will serve as a subject-matter expert, help design and strengthen payment programs, ensure