Senior Payments Operations Specialist

Job Location US-DE-Wilmington
Regular Full-Time


As a senior member of the Operations team, the Sr. Payments Specialist has in depth knowledge of the bank’s ACH processes, the systems which process ACH and the interactions of ACH, and other payment types with other bank teams.  Ensure large volume and high dollar origination files are processed timely and accurately in conjunction with transmission cutoff times throughout the day.



  1. Perform shift specific Payments Operations Specialist functions and provide training to Payments Operations Specialists.
    • Process and reconcile ACH and wire transactions and work with Recon team to resolve differences.
    • Process incoming returns, review/create GL entries, reclamations and research exception items.
    • Monitor risk alerts and obtain proper approvals.
    • Process and resolve ACH and bank transaction disputes.
    • Process Letters of Indemnity and Written Statements of Debit Authorization.
    • Provide high-level customer service and support to consumers, businesses, and internal customers.
  2. Work in collaboration with other departments to resolve ACH/Wire payments and technical issues.
  3. Prepare and maintain proper procedural documentation for compliance purposes and participate in all ACH related audits
  4. Key resource for maintaining and testing the ACH Operations Business Continuity Program (BCP)and Risk Assessment review and revision.
  5. Participate in the ongoing development of an automated system for payments processing.
  6. Performs testing for system updates.
  7. Troubleshoots, researches and/or resolves operational issues and questions with ACH and wire transfers.
  8. Works with management to identify and implement process improvements.
  9. Review and prepare reporting for management.
  10. Responsible for setup, testing and maintenance of ACH originator information in the systems used by ACH Operations team.
  11. Interact with risk department and external third-party providers to assist with vendor reviews.
  12. Completes continued education and training to keep updated on banking and payments industry.
  13. Stay informed of NACHA Rules revisions and assist ACH Managers with communicating updates to other bank teams.
  14. Provide backup to ACH Managers as needed.
  15. Builds rapport with staff and other bank teams to create a positive work environment.
  16. Perform other related duties as assigned.



  • An Associate’s degree in a related field or an equivalent combination of training and experience.
  • A minimum of 5 years related experience in banking and ACH transaction processing.
  • NACHA Accredited ACH Professional (AAP) preferred.
  • Wire processing experience is a preferred


Other Qualifications:

  • Strong working knowledge of NACHA formatted files, Rules and Regulations and wire processing.
  • Strong working knowledge of accounting and reconcilement.
  • Knowledge of balancing, banking and electronic payment processing. 
  • Strong analytical and research skills.
  • Excellent verbal, written, and interpersonal communication skills.
  • Excellent customer service skills with a high level of customer focus and motivation.
  • A team player able to work effectively in a team fostered, multi-tasking environment.
  • Proficient in Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook.
  • Work independently with limited direction from ACH Manager.

Employment with The Bancorp includes successfully passing a background check including credit, criminal, OFAC, education and past employment.


The Bancorp is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, age, status as a protected veteran, among other things, or status as a qualified individual with disability.


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