Payments Analyst

Carter-Bank; Martinsville (VA); On-site; USD 19,000 - 30,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability coverage

401(k)

Paid time off

Paid holidays

Job summary

Carter Bank in Martinsville, VA is seeking a Payments Analyst to manage the processing of payments, ACH activities, and Debit Card support including dispute processing. The role covers reconciliations, dispute handling, and compliance with Reg E and Visa rules.

The candidate will analyze disputes, perform transaction research, and assist cardholders with debit card issues, while supporting daily operations and ensuring accurate general ledger entries.

Qualifications

• High school diploma or equivalent required.
• Prior bank operations experience preferred.

Responsibilities

• Process Debit Card disputes
• Analyze and track debit card disputes from cardholders claiming errors; this may include transaction research, creating general ledger entries, letter creation and mailing to cardholders, and following compliance requirements of Regulation E, Visa, and suspicious activity reporting
• Process charge-backs and merchants' re-presentments
• Process ACH disputes
• Replace Compromised Cards, identifying inactive cards for possible closing
• Assist associates and cardholders with Debit Card support including disputes or card-troubleshooting
• Preform Debit Card reconcilement
• Resolve Debit Card posting exceptions

Skills

Customer service

Verbal & written communication

Problem solving

Organizational skills

Understanding of debits/credits/GL

Banking knowledge

NACHA rules

Reg E/Reg Z knowledge

Microsoft Office

Education

High school diploma or equivalent

Tools

Microsoft Office

Job description

SUMMARY

The Payments Analyst is responsible for the processing of payments, Automated Clearing House (ACH) processing, and Debit Card support including dispute processing.

ESSENTIAL JOB FUNCTIONS

• Preform Debit Card reconcilement
• Resolve Debit Card posting exceptions
• Process Debit Card disputes
• Analyze and track debit card disputes from cardholders claiming errors; this may include transaction research (bank systems' data and contacting merchants), creating general ledger entries, letter creation and mailing to cardholders, and following compliance requirements of Regulation E, Visa, and suspicious activity reporting
• Process charge-backs and merchants' re-presentments
• Process ACH disputes
• Replace Compromised Cards, identifying inactive cards for possible closing
• Assist associates and cardholders with Debit Card support including disputes or card-troubleshooting

JOB REQUIREMENTS

• High school diploma or equivalent required
• Prior bank operations experience preferred

KNOWLEDGE/SKILLS REQUIRED

• Intermediate customer service skills
• Intermediate verbal and written communication skills
• Basic problem-solving skills
• Basic organizational skills
• Basic understanding of debits, credits, and general ledger accounts
• Basic banking knowledge
• Basic knowledge of National Automated Clearing House Association (NACHA) rules
• Basic knowledge of Regulation E (“Reg E”), Regulation Z rules and procedures
• Basic proficiency with Microsoft Office

PHYSICAL AND MENTAL QUALIFICATIONS

• Standing, walking, bending and stooping required
• Must be able to sit at a desk for long periods of time and use a computer
• Must be able to occasionally move or lift up to 10 pounds
• May be asked to work supplemental hours periodically
• Limited travel required occasionally during and after business hours

Hourly Pay Range: $14.10 - $22.06 per hour

Benefits: Eligible associates may participate in Carter Bank's benefits package, including medical, dental, vision, life insurance, disability coverage, other voluntary benefits, 401(k), paid time off, and paid holidays.