Payment Services Specialist

Kennebec Savings Bank; Augusta (ME); On-site; USD 29,000 - 45,000; Full time

Job summary

Kennebec Savings Bank is seeking a Payment Services Specialist to act as the bank’s expert on payment services, including card servicing, ACH, and wire transfers. You will process electronic files, monitor real-time payments, and support branch inquiries with accuracy and compliance.

The role requires 1 to 3 years in electronic banking, familiarity with Reg E, and proficiency in Microsoft Office. Strong attention to detail and ethical standards are essential.

Qualifications

• Knowledge of Reg E and ACH rules is required.
• Experience with electronic banking and payment processing preferred.
• Proficiency in Microsoft Office including Excel, Outlook and Word.

Responsibilities

• Serve as expert resource on payment services including card servicing, ACH processing, and wire transfers.
• Process and quality control payment processes accurately and timely.
• Support branch personnel and communicate changes to procedures to maintain compliance.
• Handle electronic file processing, wire transfers, real-time payments, and Reg E disputes as needed.
• Maintain knowledge of bank products/services and represent the Bank in the community.

Skills

Reg E knowledge

ACH rules knowledge

Analytical thinking

Education

High school diploma or equivalent

Tools

Fiserv system

Microsoft Office (Excel, Outlook, Word)

Job description

Description

Description

POSITION SUMMARY:

This position is the Bank’s expert and primary resource on all payment services and solutions, including but not limited to card servicing, foreign check processing, and electronic file handling (ACH processing, real-time payments, and wire transfers).

Key Responsibilities

Payment Services: Maintain customer account records accurately according to established Bank policy and procedures. Process and quality control all payment processes timely and accurately. Assist branch personnel with inquiries as necessary. Recommend to the Payment Services Specialist Team Lead any changes in procedures as appropriate to maintain compliance with all regulations and improve efficiencies and the quantity of customer service. Refer problems or unusual situations to the Team Lead or Deposit Operations & Payment Services Manager.

• Electronic File Handling: Process ACH, pre-notifications, and returns and notifications of change on time and with accuracy. Review and release incoming and outgoing wire transfers in a timely and accurate fashion. Process any real-time payment transactions as appropriate.
• Card Servicing: Order and instant issue cards for customers; Troubleshoot complex situations as necessary and ensure the timely and accurate processing of all Regulation E disputes. Process changes and requests to existing debit cards as necessary according to established Bank policy and procedures.

Other Operations Tasks:

Send electronic statement notifications to customers and monitor the statements and notices printing status with the printing vendor. Assist with monitoring and correcting items processing files. Process foreign currency orders, account and tax form corrections, and check orders. When required, act as a backup for other deposit operations tasks including, but not limited to: completing address changes, processing auto transfers and stop payments, various account maintenance, and other tasks on time and accurately and comply with all Federal and State banking regulations and Bank policies and procedures related to these activities.

Support Bank products/services:

Maintain knowledge of current KSB products and services. Actively utilize as many Bank products and services as possible in order to fully understand their features and benefits and to be able to communicate effectively with customers and prospective customers.

Community/public relations:

Actively participate in community organizations and events. Represent the Bank in the community.

Other duties:

Demonstrate reliable attendance and punctuality. Handle telephone inquiries and provide information to customers and other departments in a professional and courteous manner. Attend and participate in Bank meetings. Attend internal and external training to improve skills and knowledge relevant to the Payment Services Specialists.

POSITIONS REPORTING TO THIS POSITION:

• None

Requirements

EDUCATION/EXPERIENCE REQUIRED:

• High school graduate.
• 1 to 3 years’ experience in electronic banking, including a knowledge of Reg E and ACH rules.
• Experience on the Fiserv system is desirable.
• Proficiency in Microsoft Office is required, including Outlook, Excel and Word.

Other Requirements

• Must be able to prioritize and organize work flow; must have good attention to detail; must have ability to handle multiple jobs.
• Must have the ability to analyze problem situations and determine appropriate options for resolution of the issue.
• Must be able use the telephone to converse with customers for extended periods of time; must have good listening ability and skills.
• Must have a high degree of ethics and maintain confidentiality of customers and accounts.
• Must be friendly, courteous and sensitive to the needs of customers and coworkers.
• Must be able to lift files and other documents of approximately 20 pounds.
• Must be able to read and work with computer reports.
• Must be able to stand or sit for extended periods of time.
• Must be able to spend extended periods of time operating a computer keyboard and working at a computer monitor.

Salary Range:

Compensation for this position is based on knowledge, skills, experience, and demonstrated competency within the role.

Developing - Minimum:

$21.40 hourly

Proficient - Midpoint:

$27.03 hourly

Exceptional - Maximum:

$32.66 hourly