ePayments Representative

Ocean Bank; Miami (FL); Remote; USD 45,000 - 65,000; Full time

Job summary

Ocean Bank seeks an ePayments Representative to support accurate, timely electronic banking transactions from Miami. You will handle ACH, wire transfers, mobile deposits, and bill payments while ensuring compliance and customer support.

Responsibilities include processing, balancing, reconciling, and monitoring transactions; resolving discrepancies; and following regulatory rules such as NACHA, Reg E, Reg CC, and BSA/AML/OFAC.

Qualifications

• High school diploma or equivalent.
• 2+ years’ experience in banking operations, preferably involving ACH processing, wire transfers, electronic payments, and bill payment services.

Responsibilities

• Process, balance, reconcile, and monitor customer-initiated electronic transactions within established deadlines.
• Support ACH processing, returns, prenotifications, Positive Pay exceptions, and U.S. Treasury reclamations.
• Monitor outgoing online banking wire transfers and complete required verification and approval steps.
• Process mobile remote deposits, personalized bill payments, and loan payment maintenance requests.
• Investigate discrepancies, resolve transaction issues, and respond to customers and Relationship Managers.
• Maintain operational reports and supporting documentation while following dual-control, segregation-of-duties, and approval requirements.
• Identify and escalation suspicious or potentially fraudulent activity in accordance with Bank policy.

Skills

Accounting principles

Bank reconciliations

Electronic banking operations

Regulatory knowledge

Customer support

Microsoft Excel

Attention to detail

Time management

Education

High school diploma or equivalent

Associate’s degree in business administration

Associate’s degree in Finance/Accounting

Job description

Ocean Bank is seeking an ePayments Representative to support the accurate, timely, and compliant processing of electronic banking transactions. This role performs essential operational and administrative activities involving ACH payments, wire transfers, mobile remote deposits, personalized bill payments, reconciliations, and customer support.
Responsibilities

• Process, balance, reconcile, and monitor customer-initiated electronic transactions within established deadlines.
• Support ACH processing, returns, prenotifications, Positive Pay exceptions, and U.S. Treasury reclamations.
• Monitor outgoing online banking wire transfers and complete required verification and approval steps.
• Process mobile remote deposits, personalized bill payments, and loan payment maintenance requests.
• Investigate discrepancies, resolve transaction issues, and respond to customers and Relationship Managers.
• Maintain operational reports and supporting documentation while following dual-control, segregation-of-duties, and approval requirements.
• Identify and escalation suspicious or potentially fraudulent activity in accordance with Bank policy.
  

Qualifications
Education/Experience:
Requirements

• High school diploma or equivalent.
• 2+ years’ experience in banking operations, preferably involving ACH processing, wire transfers, electronic payments, and bill payment services.
  

Combination of education and experience will be considered.
Skills And Competencies

• Working knowledge of accounting principles, bank reconciliations, and general ledger systems.
• Knowledge of electronic banking operations, including ACH, wire transfers, bill payments, and mobile remote deposits.
• Working knowledge of, or ability to learn, applicable payment and banking regulations and rules, including NACHA Operating Rules, Regulation E, Regulation CC, and BSA/AML and OFAC requirements.
• Ability to assist customers with software-related issues and troubleshoot electronic banking problems by telephone.
• Ability to handle confidential financial information with discretion and professionalism.
• Strong analytical, problem-solving, organizational, and time-management skills, with the ability to investigate discrepancies, manage competing priorities, and meet deadlines.
• Strong attention to detail and ability to follow procedures and interpret instructions accurately.
• Strong written and verbal communication, interpersonal, and customer service skills.
• Proficiency in Microsoft Office applications, including Excel, Word, and Outlook.
  

Preferences

• Associate’s degree in business administration, Finance, Accounting, or a related field.
• Bilingual (English and Spanish).
  

Licenses/Certifications

• None required; Accredited ACH Professional (AAP) designation preferred.
  

Job Posting Locations
In this role you can work remote from Miami, Florida, United States