Payment Operations Specialist

TBK Bank, SSB; Dallas (TX); On-site; USD 65,000 - 85,000; Full time

Job summary

TBK Bank, SSB in Dallas seeks an experienced Payments Operations Specialist to manage daily payment activities across ACH, wires, cards, RTP, checks, and more. You will validate instructions, handle exceptions, and support settlement and posting with a strong emphasis on accuracy and regulatory adherence.

The role requires solid GL knowledge, detailed reconciliations, and collaboration with Finance, Treasury, and Risk.

Qualifications

• High school diploma and at least 3 years of banking/financial and deposit services experience.
• Bachelor’s degree preferred in finance, accounting, business, or related field.
• 3–5 years of experience in payment or deposit operations.
• Strong understanding of GL processes and reconciliations.
• Proficiency in Microsoft Excel.

Responsibilities

• Execute and monitor daily payment operations across ACH, wires, cards, RTP, checks, etc.
• Validate and process payment instructions in accordance with internal policies and regulatory requirements
• Investigate and resolve payment exceptions, rejects, and returns
• Support the back‑office payment operations on settlement and posting
• Perform daily GL balancing and ensure alignment between sub‑ledgers, systems, and bank accounts
• Investigate and resolve out‑of‑balance conditions and discrepancies
• Support deposit operations activities including postings, adjustments, and maintenance
• Process returns, adjustments, chargebacks, and corrections
• Ensure end‑of‑day and intraday balancing across systems
• Monitor settlement and clearing accounts
• Support month‑end close processes and GL certification
• Perform daily reconciliations of payments and deposit systems
• Identify discrepancies and resolve exceptions
• Prepare operational and financial reports
• Maintain audit‑ready documentation
• Ensure adherence to NACHA, RegE, PCI, AML/KYC requirements
• Monitor transactions for fraud and raise concerns
• Support audits and maintain strong internal controls
• Serve as a point of contact for payment and deposit inquiries
• Collaborate with internal teams including Finance, Treasury, and Risk
• Provide timely updates on issue resolution
• Identify opportunities to streamline workflows
• Support automation initiatives
• Maintain SOPs and process documentation
• Perform other duties as assigned

Skills

GL reconciliation

Payment/deposit operations

Education

High school diploma

Bachelor’s degree in finance, Accounting, Business, or related field

Tools

Microsoft Excel

Job description

Responsibilities

• Execute and monitor daily payment operations across multiple channels (ACH, wires, cards, RTP, checks, etc.)
• Validate and process payment instructions in accordance with internal policies and regulatory requirements
• Investigate and resolve payment exceptions, rejects, and returns
• Support the back‑office payment operations on settlement and posting
• Perform daily general ledger (GL) balancing and ensure alignment between sub‑ledgers, systems, and bank accounts
• Investigate and resolve out‑of‑balance conditions and discrepancies
• Support deposit operations activities including postings, adjustments, and maintenance
• Process returns, adjustments, chargebacks, and corrections
• Ensure end‑of‑day and intraday balancing across systems
• Monitor settlement and clearing accounts
• Support month‑end close processes and GL certification
• Perform daily reconciliations of payments and deposit systems
• Identify discrepancies and resolve exceptions
• Prepare operational and financial reports
• Maintain audit‑ready documentation
• Ensure adherence to NACHA, RegE, PCI, AML/KYC requirements
• Monitor transactions for fraud and raise concerns
• Support audits and maintain strong internal controls
• Serve as a point of contact for payment and deposit inquiries
• Collaborate with internal teams including Finance, Treasury, and Risk
• Provide timely updates on issue resolution
• Identify opportunities to streamline workflows
• Support automation initiatives
• Maintain SOPs and process documentation
• Perform other duties as assigned

Qualifications

• High school diploma and at least 3 years of experience in banking/financial and deposit services
• Bachelor’s degree in finance, Accounting, Business, or related field preferred
• 3–5 years of experience in payment or deposit operations
• Strong understanding of GL processes and reconciliations
• Proficiency in Microsoft Excel

Work Environment

The work environment characteristics described here may be encountered while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The job may involve moderate noise (business office with computers, phone, and printers, light traffic), ability to work in a confined area, sit at a computer terminal for extended periods, occasional stooping or kneeling, standing, sitting, talking, hearing, and using hands and fingers to operate a keyboard and telephone. Specific vision abilities required due to computer work. Light to moderate lifting may be required. Regular, predictable attendance is required.

Benefits

• Medical
• Dental
• Vision
• Paid Time Off (PTO)
• 401(k)

Equal Opportunity Employer

We are proud to be an equal opportunity employer and do not discriminate in recruitment, hiring, training, promotion, or other employment practices on the basis of age, race, gender, color, religion, national origin, disability, sexual orientation, veteran status, or any other basis that is prohibited by federal, state or local law.