Payments Operations & Reconciliation Specialist

TBK Bank, SSB; Dallas (TX); On-site; USD 65,000 - 85,000; Full time

Job summary

TBK Bank, SSB in Dallas seeks an experienced Payments Operations Specialist to manage daily payment activities across ACH, wires, cards, RTP, checks, and more. You will validate instructions, handle exceptions, and support settlement and posting with a strong emphasis on accuracy and regulatory adherence.

The role requires solid GL knowledge, detailed reconciliations, and collaboration with Finance, Treasury, and Risk.

Qualifications

• High school diploma and at least 3 years of banking/financial and deposit services experience.
• Bachelor’s degree preferred in finance, accounting, business, or related field.
• 3–5 years of experience in payment or deposit operations.
• Strong understanding of GL processes and reconciliations.
• Proficiency in Microsoft Excel.

Responsibilities

• Execute and monitor daily payment operations across 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 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, RegE, PCI, AML/KYC requirements
• Monitor transactions for fraud and raise 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

Skills

GL reconciliation

Payment/deposit operations

Education

High school diploma

Bachelor’s degree in finance, Accounting, Business, or related field

Tools

Microsoft Excel

Job description

TBK Bank, SSB in Dallas seeks an experienced Payments Operations Specialist to manage daily payment activities across ACH, wires, cards, RTP, checks, and more. You will validate instructions, handle exceptions, and support settlement and posting with a strong emphasis on accuracy and regulatory adherence.

The role requires solid GL knowledge, detailed reconciliations, and collaboration with Finance, Treasury, and Risk.