Fidelity Cooperative Bank

Compensation

Full Description

Salary Grade: 14 Summary The Payment Operations Specialist II is an experienced and skilled member of the Payment Operations team within Banking Services Operations. The role is responsible for accurately and efficiently processing the Bank’s payment transactions across ACH, wire transfers, instant payments (RTP, FedNow), Zelle, ATM deposits, checks and non-card disputes. The incumbent ensures daily operations meet regulatory and compliance standards, resolves payment exceptions, and supports operational procedures that safeguard the Banks’s payment systems. Essential Job Functions / 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. Education & Certifications • Minimum of three years’ banking experience with exposure to payment services and bank operations. • 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). Knowledge, Skills & Abilities • 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 Competencies Technical Proficiency • Accuracy & Attention to Detail • Problem Solving • Compliance Awareness • Customer Service Orientation • Team Collaboration • Dependability & Accountability Working Relationships/Contacts • Daily interaction with colleagues in Operations, frontline staff and staff in other departments, e.g., Compliance, Risk, IT, etc. • Regular contact with clients. • Occasional interaction with auditors and vendors as assigned. Working Conditions • Occasional travel to Bank locations may be required. • Flexibility for system upgrades, disaster recovery testing, or critical deadlines.