Instant Payments Specialist

EagleBank; Silver Spring (MD); On-site; USD 34,000 - 51,000; Full time

Job summary

EagleBank in Silver Spring, MD is seeking an Instant Payments Specialist to join the Electronic Payments Operations team. You will own day-to-day operations across Zelle, RTP, FedNow and other real-time rails, handling exceptions and guiding payment controls.

The ideal candidate has hands-on real-time payments experience, knowledge of network rules and risk controls, and strong analytical and communication skills to support 24x7 payment windows.

Qualifications

• 2 years of experience in bank payment operations, including real-time or instant payment rails.
• Understanding of RTP, FedNow, Zelle, and network rules and settlement mechanics.
• Familiar with Regulation E, OFAC, BSA/AML and payment fraud controls.

Responsibilities

• Own day-to-day operations for instant payments rails (Zelle, RTP, FedNow) and manage exceptions.
• Ensure compliance with network rules and operating circulars; partner with Fraud and Risk.
• Mentor team members and support Money Movement Hub capabilities development.

Skills

Real-time payments

Zelle

RTP

FedNow

AFPP

Regulation E

OFAC

BSA/AML

Fraud controls

Analytical skills

Communication

Education

BA/BS in Business or Finance

Tools

FIS Money Movement Hub

Job description

We are a values driven organization putting Relationships FIRST. EagleBank (NASDAQ – EGBN) is focused on being Flexible, Involved, Responsive, Strong, and Trusted. By prioritizing meaningful connections with our customers, employees, and shareholders, we relentlessly deliver the most compelling, valuable service to our customers.

EagleBank is committed to inclusion, equity, and respect. We celebrate diversity and intentionally seek out opportunities to learn from one another’s experience. We believe employees are essential to the building of relationships and we prioritize investing in employee growth and wellbeing. Employee involvement is fostered through resource groups, mentorship programs, community service, and scholarship opportunities for continued education. With features including maternity and parental leaves, wellness discounts, healthcare premium sharing, employer funding in your HSA account, and 100% 401(k) matching up to 4%, we pride ourselves in the ways we support our internal relationships. The minimum and maximum projected hourly pay for this position is: $25.02 to $36.76.

Responsibilities

The Instant Payments Specialist serves as a member of EagleBank's Electronic Payments Operation team, providing day-to-day operational ownership and subject matter expertise across Zelle, RTP, FedNow, and related real-time payment rails. This role leads exception handling and escalations, ensures compliance with network rules and operating circulars, partners with Fraud and Risk on real-time payment controls, and supports the continued build-out of the Bank's Money Movement Hub capabilities. The ideal candidate has direct hands-on experience operating instant payment rails in a bank environment and can serve as the escalation point and mentor for the team.

Qualifications

• 2 years experience in bank payment operations, including direct experience with real-time or instant payment rails (Zelle, RTP, FedNow)
• Accredited Faster Payments Professional (AFPP) obtained within 18 months of accepting role
• Working knowledge of RTP, FedNow, and Zelle network rules, settlement mechanics, and exception processing
• Understanding of Regulation E, OFAC, BSA/AML, and payment fraud controls
• Strong analytical, reconciliation, and problem-solving skills
• Excellent communication skills and the ability to work effectively under time-critical conditions
• Ability to work flexible hours to support extended and 24x7 payment windows

Preferences

• Bachelor’s Degree in Arts/Sciences (BA/BS) in Business, Finance, or related field
• 2 years experience with ACH, wire transfer, or card operations
• Accredited ACH Professional (AAP) or Accredited Payments Risk Professional (APRP) or Accredited Faster Payments Professional (AFPP)
• Experience with payment hub or core payment platforms (FIS Money Movement Hub or similar)

We are always interested connecting with people inspired by our mission and values. If you aren't hired for this position, your resume will remain available for the next year and might be considered for future openings. Note: You can update your resume as often as needed.