Wire Transfer Specialist

United Community Banks Inc.; Northern (KY); Hybrid; USD 32,000 - 45,000; Full time

Job summary

United Community Bank is seeking a Wire Transfer Specialist to support wire operations with precision and regulatory compliance. You will oversee transactions, verify documentation, and monitor for anomalies to protect customers and the bank.

The role emphasizes accuracy, teamwork, and adherence to BSA/AML standards in a dynamic banking environment with strong deadlines.

Qualifications

• High school diploma required; associate degree preferred.
• Experience in financial institutions or related field encouraged.
• Strong accuracy and attention to detail in high-risk operations.
• Knowledge of federal/state banking regulations and policies.
• Proficiency with Microsoft Office and basic office tech.

Responsibilities

• Customer Service: Deliver accurate and timely service while maintaining relationships.
• Transaction Oversight: Monitor wire queues and process general ledger entries.
• Compliance Assurance: Adhere to BSA/AML and state/federal regulations.
• Wire Processing: Originate, verify, and correct domestic and international wire transfers.
• Exception Handling: Secure approvals for policy exceptions and resolve balance issues.
• Documentation & Verification: Review wire agreements and conduct call-back verifications.
• Currency Support: Provide foreign exchange rates to branches.
• Error Resolution: Investigate issues related to consumer international transactions.
• Balancing & Reconciliation: Balance wire outages and reconcile ledgers with Fed data.
• Research & Tracking: Maintain SWIFT tracker and manage wire recall processes.
• Fraud Monitoring: Submit SAR referrals and liaise with BSA/SAR Manager.

Skills

Attention to detail

Regulatory awareness

Customer service

Communications

Team collaboration

Problem solving

Education

High school diploma

Associate degree preferred

Tools

Microsoft Office

Outlook

Word

Excel

Job description

Overview

The Wire Transfer Specialist plays a critical role in ensuring the accuracy, security, and compliance of wire transfer operations at United Community Bank. This position supports both internal teams and external customers by managing wire transactions, maintaining regulatory compliance, and contributing to fraud prevention efforts.

What You’ll Do

• Customer Service: Deliver accurate and timely service while maintaining strong customer relationships.
• Transaction Oversight: Monitor wire queues, process general ledger entries, and maintain electronic records.
• Compliance Assurance: Ensure all wire activity adheres to federal, state, and institutional regulations, including BSA/AML requirements.
• Wire Processing: Originate, verify, and correct domestic, international, and Treasury Management wire transfers.
• Exception Handling: Secure approvals for policy exceptions and resolve overdraft or out-of-balance conditions.
• Documentation & Verification: Review wire agreements and conduct call-back verifications.
• Currency Support: Provide foreign exchange rates to branch locations.
• Error Resolution: Investigate and resolve issues related to Consumer International Dodd/Frank transactions.
• Balancing & Reconciliation: Balance wire outages and reconcile clearing general ledgers with Federal Reserve data.
• Research & Tracking: Maintain SWIFT payment tracker and manage wire recall processes.
• Fraud Monitoring: Submit SAR referrals and communicate with the BSA/SAR Manager regarding suspicious activity.

Requirements For Success

• Experience: 1–2 years in a financial institution or related field preferred.
• Education: High school diploma required; Associate degree preferred.
• Core Skills:
• Ability to thrive in a dynamic, high-risk operations environment with strict deadlines.
• Strong understanding of federal and state banking regulations and bank policies.
• Proficiency in navigating web-based programs and computer functions.
• Excellent interpersonal and customer service skills.
• Clear and concise communication skills, both verbal and written.
• High accuracy and attention to detail, especially with repetitive tasks.
• Proficiency with Microsoft Office suite (Outlook, Word, Excel) and general office equipment.
• Ability to adapt to changing priorities in a fast-paced, deadline-driven environment.
• Team player with a collaborative mindset.
• Willingness to assist others and cross-train within the department.
• Preferred Skills:
  • Experience with audits, examinations, or staff management.
  • Familiarity with data analysis.

Conditions of Employment

Condition of Employment:

• Must be able to pass a criminal background and credit check

FLSA Status:

• Non-exempt

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

Pay Range

USD $32,146.00 - USD $45,185.00 /Yr.