Payment Processing

Talenzaa; Milford (OH); On-site; USD 52,000 - 78,000; Full time

Job summary

Talenzaa is seeking a detail-oriented Payment Processor / Payment Investigations Analyst to join our Payments Operations team in the United States. The role focuses on SWIFT payments, investigations, reconciliations, and correspondent banking operations, with extensive interaction with internal teams and external financial institutions to resolve payment inquiries accurately and timely.

You will handle investigations, reconcile Nostro accounts, monitor queues, prepare MIS reports, and identify

Qualifications

• Associate degree in Finance, Accounting, Business Administration, Economics, or related field.
• 2+ years of experience in Payments Operations, Banking Operations, Wire Transfer Processing, Payment Investigations, or Reconciliation.
• Strong knowledge of SWIFT messaging (MT103/MT202/MT110/MT199/MT299), international payments, and correspondent banking.

Responsibilities

• Investigate and resolve payment inquiries related to SWIFT messages.
• Perform end-to-end payment investigations to identify root causes and ensure timely resolution.
• Communicate with correspondent banks via SWIFT messaging platforms and client systems.
• Reconcile Nostro accounts and clear outstanding entries.
• Follow up with financial institutions regarding payment confirmations and resolutions.
• Coordinate with internal teams to expedite query resolution.
• Monitor queues and investigations to meet productivity and quality targets.
• Maintain compliance with internal controls and regulatory requirements.
• Provide professional client support via phone and email.
• Prepare MIS and client-facing reports.

Skills

SWIFT knowledge

Investigations

Reconciliation

Stakeholder communication

Education

Associate degree in Finance/Accounting/Business/ Economics

Tools

SWIFT platform

Job description

We are seeking a detail-oriented and customer-focused Payment Processor / Payment Investigations Analyst to join our Payments Operations team. The ideal candidate will possess strong knowledge of SWIFT payments, investigations, reconciliations, and correspondent banking operations. This role requires extensive interaction with internal stakeholders and external financial institutions to ensure timely and accurate resolution of payment-related inquiries.

The successful candidate will be responsible for handling payment investigations, reconciling accounts, resolving exceptions, and ensuring adherence to operational controls and regulatory requirements while delivering exceptional client service.

Key Responsibilities

• Investigate and resolve payment inquiries related to SWIFT message types including MT103, MT202, MT110, MT199, MT299, and other payment-related communications.
• Perform end-to-end payment investigations to identify root causes and ensure timely resolution of client and banking queries.
• Communicate with correspondent and external banks through SWIFT messaging platforms and client systems.
• Follow up with financial institutions regarding payment confirmations, fund recalls, beneficiary details, and transaction resolutions.
• Coordinate with internal operational teams, treasury, settlements, compliance, and customer service groups to expedite query resolution.
• Review and reconcile Nostro accounts, ensuring outstanding debit and credit entries are investigated and cleared within established service levels.
• Monitor payment queues and investigation cases to meet productivity, quality, and turnaround time targets.
• Maintain compliance with internal controls, operational procedures, risk frameworks, and regulatory requirements.
• Provide professional support to clients through phone, email, and other communication channels.
• Prepare operational reports, management information system (MIS) reports, and client-facing metrics.
• Identify process improvement opportunities to enhance efficiency, reduce risk, and improve service delivery.
• Document investigations clearly and maintain accurate records for audit and compliance purposes.
• Participate in ongoing training and process enhancement initiatives.

Required Qualifications

Associates degree in Finance, Accounting, Business Administration, Economics, or a related field preferred.

2+ years of experience in Payments Operations, Banking Operations, Wire Transfer Processing, Payment Investigations, or Reconciliation.

Strong knowledge of:

• SWIFT Messaging (MT103, MT202, MT110, MT199, MT299)
• International Payments and Correspondent Banking
• Payment Investigations
• Funds Recall Processes
• Clearing and Settlement Systems