Payment Operations Specialist

Triumph; Dallas (TX); On-site; USD 65,000 - 90,000; Full time

Benefits offered by this job

Medical, Dental, Vision

401k

Paid Time Off

Job summary

TBK Bank, a subsidiary of Triumph, is seeking a Payments Operations Specialist to join our team in Dallas. You will execute daily payment operations across ACH, wires, cards, RTP, and checks, validate instructions, and support month-end close with GL balancing.

Ideal candidates have 3+ years in banking or deposit operations, strong Excel skills, and a solid understanding of GL processes and reconciliations. We offer benefits and a collaborative, compliant work environment.

Qualifications

• 3+ years of experience in banking, financial, or deposit operations
• Strong understanding of GL processes and reconciliations
• Proficiency with Excel and general ledger activities

Responsibilities

• Execute and monitor daily payment operations across multiple channels (ACH, wires, cards, RTP, checks)
• Validate and process payment instructions per internal policies and regulatory requirements
• Investigate and resolve payment exceptions and returns
• Support back-office payment operations on settlement and posting
• Perform daily GL balancing and ensure alignment between sub-ledgers and bank accounts
• Ensure end-of-day and intraday balancing across systems
• Prepare operational and financial reports
• Maintain audit-ready documentation
• Support audits and maintain internal controls
• Collaborate with Finance, Treasury, and Risk teams

Skills

Microsoft Excel

Attention to detail

Financial transactions

Team coordination

Education

High school diploma

Bachelor's in finance, accounting, business, or related field

Tools

Microsoft Excel

Job description

Join TBK Bank!

At TBK Bank, a subsidiary of Triumph, we're a team of passionate, driven, collaborative, solutions-minded people who want to make a difference in the lives of our customers and communities. Our mission is to do well and to do good at the same time. We accomplish this by working together, because at the end of the day, TBK means striving for excellence, while delivering with humility. We thrive on providing exceptional customer service, and we look for friendly professionals dedicated to helping customers achieve their financial goals.

Essential Duties & 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, Reg E, PCI, AML/KYC requirements
• Monitor transactions for fraud and elevate 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.

Experience & Education

• 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.

• Moderate noise (i.e. business office with computers, phone, and printers, light traffic).
• Ability to work in a confined area.
• Ability to sit at a computer terminal for an extended period of time. Occasional stooping or kneeling may be necessary.
• While performing the duties of this job, the employee is regularly required to stand, sit, talk, hear and use hands and fingers to operate a computer keyboard and telephone.
• Specific vision abilities are required by this job due to computer work.
• Light to moderate lifting is required.
• Regular, predictable attendance is required.

Benefits

• Medical, Dental, Vision, Paid Time Off, 401k and much more.