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The Cape Cod Five Cents Savings Bank · 1 day ago

Payment Operations Specialist II

Hyannis, MA

Full-time

Hybrid

Mid Level

3+ years exp

The Cape Cod Five Cents Savings Bank is seeking a Payment Operations Specialist II to join their Banking Services Operations team. This role involves processing various payment transactions and ensuring compliance with regulatory standards while resolving payment exceptions.

BankingLendingWealth Management

Growth Opportunities

Responsibilities

Process and monitor payment transactions including ACH, wires, instant payments, Zelle, ATM deposits, checks and non-card disputes

Research and resolve payment exceptions and discrepancies in a timely and accurate manner

Perform reconciliations for assigned general ledger and settlement accounts

Follow established procedures and contribute to documenting updates as needed

Provide support to peers and frontline staff by responding to operational and technical questions

Assist with departmental projects, system testing, and upgrades related to payment operations

Maintain awareness of fraud risks and apply established controls to protect the Bank and its customers

Support compliance with applicable regulations, including BSA, Reg E, Reg CC, Nacha, OFAC, and UCC, among other applicable regulations

Complete required training and certifications within established timelines

Qualification

ACHWire transfersInstant payment systemsRegulatory complianceMicrosoft OfficeCustomer serviceCybersecurity awarenessAttention to detailProblem solvingTeam collaboration

Required

Minimum of three years' banking experience with exposure to payment services and bank operations

Solid working knowledge of ACH, wire transfers, instant payment systems, checks and dispute processes

Ability to research, analyze, and resolve payment exceptions

Familiarity with regulatory and audit standards applicable to payments

Proficiency in Microsoft Office applications; Excel skills preferred

Strong attention to detail and ability to manage multiple tasks

Effective communication skills for working with peers, other departments, and frontline staff

Basic awareness of fraud detection and cybersecurity in payment operations

Must have cyber security awareness to protect the digital environment, the Bank, and customers

Complete required training and certifications within established timelines

Preferred

Associate or bachelor's degree in finance, business, or related field preferred

AAP, APRP, NCP, AFPP, or equivalent certification preferred (or willingness to obtain within 18 months)

ABA Payments System Suite and Deposit Compliance certification preferred (required to obtain within six months of hire)

Excel skills preferred

Company

The Cape Cod Five Cents Savings Bank

Cape Cod 5 is a community bank with over $5.7 billion in assets committed to supporting its customers wherever they are – in the world and on their life journey – through its full-service digital offerings or in person at one of its locations throughout Cape Cod, Nantucket, Martha’s Vineyard and Southeastern Massachusetts.

Founded in 1855

Harwich Port, Massachusetts, USA

501-1000 employees