Payment Specialist – Bank Operations

Commerce Bank; Kansas City (MO); On-site; USD 29,000 - 34,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

401(k)

Paid vacation

Paid personal time

Job summary

Mercantil Commerce Bank is seeking a Payment Specialist to join Bank Operations in Kansas City. You will manage payment processing tasks, ensure accuracy, and support customers with payment inquiries.

Primary responsibilities include handling ACH, wire transfers, and instant payments, posting and reconciling transactions, and maintaining audit trails. The role requires a high school diploma (associates preferred) and 1+ year of banking operations experience, with strong attention to detail and

Qualifications

• High school diploma required; associates degree preferred.
• 1+ year banking operations experience required.
• Strong math and attention to detail; ability to learn payment systems.

Responsibilities

• Process department files prepared for payment processing.
• Receive, organize, and process customer and interbank payments (ACH, wire, instant payments).
• Post payment transactions and verify proper allocation of funds to ensure timely processing.
• Balance, reconcile, and post transactions; monitor payment queues and escalate issues.
• Ensure deadlines are met and files are delivered/received on time; resolve discrepancies to maintain accuracy.
• Maintain documentation and audit trails within payment systems; support internal teams and customers.
• Collaborate with internal teams to streamline payment processes; perform other duties as assigned.

Skills

Bank operations basics

Education

High School Diploma

Associates degree preferred

Tools

Microsoft Word

Microsoft Excel

Microsoft Outlook

Job description

Payment Specialist – Bank Operations### Payment Specialist – Bank OperationsApply: MO - Kansas City Downtown/Plaza - Kansas City - KC Downtown Trust Building (922 Walnut) (64106): Full time: Posted Yesterday: 38678**About Working at Commerce**Building a career here is more than just steps on a ladder. It’s about helping people find financial safety and success, helping businesses thrive, and making sure people and their money are taken care of. And our commitment doesn’t stop there. Our culture is about our people, the ones in our communities and the ones that work with us. Here, you’ll find opportunities to grow and learn, to connect with others, and build relationships with the people around you. You’ll have the space and resources to grow into the best version of yourself. Because our number one investment is you.Creating an award-winning culture doesn't come easy. And after 160 years, we know Commerce Bank is only at its best when our people are. If this sounds interesting to you, keep reading and let’s talk. **Compensation Range**Hourly: $21.40 - $24.50 (Amount based on relevant experience, skills, and competencies.)**About This Job** The main purpose of this job is process, manage, and ensure the accuracy, timeliness, and compliance of payment transactions. This role supports Commerce Bank’s daily operations by performing payment processing tasks, resolving payment-related issues, maintaining accurate records, and delivering exceptional customer service. **Work Schedule*** Monday - Friday 9:00 AM - 6:00 PM **Essential Functions*** Process department files prepared for payment processing* Receive, organize, and process customer and interbank payments, including ACH, wire transfers, instant payments, electronic funds* Post payment transactions in banking systems and verify proper allocation of funds to ensure timely and compliant processing* Execute daily processing procedures, including balancing, reconciling, and posting transactions* Monitor payment queues and escalate exceptions or errors for timely resolution* Ensure critical deadlines are met and all files are delivered or received in a timely manner* Research, analyze, and resolve payment discrepancies and exceptions* Maintain compliance with bank policies, industry standards, and regulatory requirement* Maintain accurate documentation and audit trails within payment systems* Provide support and guidance to internal teams and customers regarding payment inquiries and issues* Collaborate with internal teams, such as banks operations support and product teams to streamline payment processes* Perform other duties as assigned **Knowledge, Skills & Abilities Required*** Basic knowledge of bank operations* Ability to communicate effectively with correspondent banks and external partners as required* Ability to apply analytical and problem-solving skills to identify and recommend improvements to payment workflows and minimize errors* Ability to stay current with payment processing systems, technologies, and regulatory changes* Motivated and organized self-starter with strong attention to detail and the ability to manage multiple priorities* Inquisitive, agile and strong team player with excellent written, verbal and interpersonal communication skills* Ability to remain adaptable and resilient to all situations with an optimistic outlook and cast a positive shadow that is aligned with our culture and Core Values* Intermediate level proficiency with Microsoft Word, Excel and Outlook **Education & Experience*** High School Diploma or equivalent combination of education and experience required. Associates degree preferred* 1+ year banking operations experience required \\*\\*\\*For individuals applying, assigned and/or hired to work in areas with pay transparency requirements, Commerce is required by law to include a reasonable estimate of the compensation range for some roles. This compensation range is for the Payment Specialist job and contemplates a wide range of factors that are considered in making compensation decisions, including but not limited to location, skill sets, education, relevant experience and training, licensure and certifications, and other business and organizational needs. The disclosed range estimate has not been adjusted for any applicable differentials (geographic, bilingual, or shift) that could be associated with the position or where it is filled. At Commerce, compensation decisions are dependent on the facts and circumstances of each situation. A reasonable estimate of the current base pay is $21.40 to $24.50 per hour. #LI-BC1***Must be eligible to work in the US without sponsorship now or in the future.*** The candidate selected for this position may be eligible for the following employment benefits: employer sponsored health, dental, and vision insurance, 401(k), life insurance, paid vacation, and paid personal time. In addition, we offer career development, education assistance, and voluntary supplemental benefits. Click here to learn more.Location: 922 Walnut St, Kansas City, Missouri 64106Time Type:Full time