Payments Operations Specialist

Vizo Financial Corporate CU

Payments Operations Specialist at Vizo Financial managing payment transactions and supporting operational functions. Ensuring compliance and efficiency in payment processing across multiple channels.

Posted 6/12/2026full-timeMiddletown • North Carolina, Pennsylvania, South Carolina, Texas • 🇺🇸 United StatesMid-LevelSenior💰 $23 per hourWebsite

About the role

Key responsibilities & impact

The Payments Operations Specialist is responsible for the accurate and timely processing of incoming and outgoing payments across multiple channels.
Support back-end operational functions including system configuration, data reporting, payment reconciliation and balancing, client billing, payment investigations, fraud monitoring, and OFAC screening and decisioning.
Ensure transactions comply with internal policies and regulatory requirements while contributing to operational efficiency.
Process daily payment transactions including ACH, wire transfers, foreign checks, positive pay/corporate share drafts, and other payments according to established procedures and SLAs.
Monitor payment queues and escalate exceptions, failures, or suspicious activity to appropriate team.
Respond to internal inquiries from support, accounting, compliance/risk, and account management regarding payment status and issues.
Collaborate with the Payments Support Specialist team to share operational insights, root cause findings, and process updates that support front-line interactions.
Review and decision OFAC alerts generated by sanctions screening system for all applicable payment types, exercising independent judgment to evaluate risk.
Monitor payment transaction activity for signs of unauthorized, fraudulent, or anomalous entries using established screening tools and criteria.
Research and resolve payment exceptions including failed transactions, duplicate payments, unauthorized entries, and misdirected funds.
Perform daily reconciliation of ACH, wire, and positive pay/corporate share draft transactions against general ledger accounts to ensure accuracy and completeness.

Requirements

What you’ll need

A high school diploma or general education degree (GED) with 3-5 years of experience in payments operations, payment processing, banking operations, or a related financial services function.
Must obtain at least one payments industry accreditation (AAP, NCP, AFPP, APRP) within 24 months of hire.
Working knowledge of ACH, wire transfer, positive pay/corporate share draft processing, instant payments, international wires, and foreign check collection.
Familiarity with applicable regulatory frameworks including Nacha Operating Rules, OFAC, BSA/AML, Reg CC, UCC Articles 3/4/4A and emerging payments regulations.
Attention to detail and ability to work accurately in a deadline-driven environment.
Strong organizational and time management skills with the ability to manage multiple priorities across functional areas.
Analytical thinking and problem-solving ability, particularly in investigating payments exceptions and reconciliation discrepancies.
Ability to interpret and apply regulatory guidelines related to ACH, OFAC, and fraud prevention.
Clear written and verbal communication skills for cross-team collaboration and documentation.
Microsoft Office Suite of applications (Outlook, Office 365, Word, Excel), payment processing platforms, core banking systems, OFAC screening and sanctions filtering systems, ACH fraud monitoring tools, and general internet.
Ability to learn and navigate new payment technologies as needed.

Benefits

Comp & perks

Complete health benefits package (medical, prescription, dental, vision)
Excellent 401(k) program
Fully paid life insurance and disability benefits
11 paid holidays; 18 PTO days (PTO increases based on tenure)
Tuition reimbursement
Community Volunteer Leave

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

payment processingACHwire transferpositive paycorporate share draftpayment reconciliationfraud monitoringdata reportingpayment investigationsbalancing

Soft Skills

attention to detailorganizational skillstime managementanalytical thinkingproblem-solvingclear communicationcollaborationindependent judgmentability to manage prioritiesdeadline-driven

Certifications

AAPNCPAFPPAPRP