Electronic Payments Specialist II

Pay Range: $22.61 - $30.15

Responsible for performing advanced electronic payment functions including but not limited to wire transfer, ACH, and RTP processing. Acts as a subject matter expert (SME) providing technical expertise, analytical support, and guidance on complex and high-risk transactions. Applies in-depth knowledge of payment systems, fraud detection, and regulatory compliance to resolve escalated issues, mitigate risk, and support departmental initiatives.

Education and Experience:

• Associate’s degree or equivalent work experience.
• 3 years of banking or operations experience required.
• Wire, ACH, or electronic payments experience preferred.

Skills and Abilities:

• Advanced analytical, troubleshooting, and problem-solving skills.
• In-depth understanding of electronic payment systems and accompanying rules and regulations (ACH, wires, BSA/AML, RTP).
• Ability to manage complex, high-risk transactions and escalations.
• Strong attention to detail and quality control focus.
• Proficient in Microsoft Office applications, especially Excel.
• Strong communication and collaboration skills, both written and verbal
• Understand and support the electronic payments needs of various internal departments including but not limited to Treasury, HR, Finance, Commercial Lending, and Loan Operations.
• Advanced knowledge of fraud schemes, emerging trends, and red flags, with the ability to identify risk, investigate fraud cases, coordinate resolution efforts, and mitigate financial and reputational loss.

Tasks Performed:

• 40% Responsible for processing and supporting daily inbound and outbound electronic payment transactions including but not limited to wires, ACH and instant payments (RTP) with accuracy and timeliness. Perform and review complex electronic payment transactions  with a high degree of accuracy and risk awareness.
• 20% Responsible for resolving both internal and external complex customer inquiries via multiple support channels. Act as SME to research, analyze, and resolve escalated issues involving fraud, exceptions, and high-risk transactions.
• 15% Monitor and mitigate fraud risk across payment channels, ensuring adherence to BSA/AML and regulatory requirements.
• 10% Provide technical support and guidance to team members, internal and external customers; assist in training and process improvement initiatives.
• 10% Analyze workflows and recommend enhancements to improve efficiency, quality, and controls.
• 5% Other duties as assigned.

Physical Requirements:

• Communicate effectively with internal and/or external customers
• Stationary 75% of the time or greater
• Move objects maximum of 10 lbs

Why Work at NBT

At NBT we empower people to grow, innovate, and thrive through meaningful work, a supportive culture and opportunities to make a real impact in your community – because your success drives our success. 

Wellbeing 

At NBT, we value and support your wellbeing by offering generous time-off policies, wellness initiatives and flexible work arrangements, so you can thrive both personally and professionally. 

Community Involvement 

NBT believes community involvement fosters our success and the success of those around us. Through volunteer service and charitable partnerships, we empower our employees to make a positive impact beyond the workplace. 

Culture 

NBT believes in creating a workplace where every voice matters and every team member feels empowered to contribute. With supportive leadership, we foster an environment where employees are connected, inspired, and valued. 

Career Development 

Whether you’re just starting your career or serve in a senior leadership role, your growth and development are our priority. NBT provides a wide variety of development programs and tools for you to reach your full potential. 

Total Rewards 

NBT recognizes and rewards your contributions with competitive compensation, comprehensive benefits and performance-based incentives – ensuring you feel valued every step of the way.   

Business Stability 

NBT has built a reputation as a stable financial institution by growing our people and our business, evolving our processes and managing risk. We've weathered the market's ups and downs for over 165 years, all while charting a well-defined growth plan. 

Benefits for Full-Time Employees: 

• Generous Paid Time Off: At least 22 days annually, prorated in the year of hire. 

• Parental Leave: Six weeks of paid leave at 100% of your salary. 

• Comprehensive Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. 

• Dental and Vision Coverage: Ensuring your overall health and well-being. 

• Flexible Spending Accounts: For healthcare and dependent care expenses. 

• Employer-Paid Disability Coverage: Both short-term and long-term, with an option to purchase additional long-term coverage. 

• Life Insurance: Employer-paid basic life insurance, with an option to purchase supplemental coverage. 

• Voluntary Benefits: Including hospital, accident, and critical illness coverage. 

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan to help secure your future.

• Adoption Assistance: Supporting your growing family. 

• Tuition Reimbursement: Invest in your education and career growth. 

• Employee Assistance Program (EAP): Access to support and resources. 

• Pet Insurance: For all your furry friends.

• Financial and Banking Services: Various banking services benefits and financial planning assistance. 

Benefits for Part-Time Employees Working 20+ Hours/Week: 

• Medical Coverage: Includes employer contributions to HSA for High Deductible Health Plan participants. 

• Dental and Vision Coverage: Ensuring your overall health and well-being.

• Voluntary Benefits: Including hospital, accident, and critical illness coverage.

• Generous Parental Leave: Six weeks of paid leave at 100% of your salary. 

Benefits for All Part-Time Employees: 

• Retirement Plans: Benefit from a 401(k) plan with employer matching, an optional Roth 401(k), and a pension plan for employees who work at least 1,000 hours in a calendar year, all designed to help secure your future

• Paid Sick and Safe Leave: For your health and safety. 

• Employee Assistance Program (EAP): Access to support and resources. 

• Financial and Banking Services: Various banking services benefits and financial planning assistance.

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or assume sponsorship of an employment Visa at this time.