Bank Payments Processing Specialist (Mid-Level) - Sensitive Profile
- Job ID
- R0110973
- Date posted
- 07/24/2025
Why USAA?
At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.
Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.
The Opportunity
This job profile is designated as a Sensitive Position. Sensitive Positions are those positions in which individuals have the authority and ability to conduct in-scope activities (movement of USAA or Member funds) as defined within the Enterprise Sensitive Positions Mandatory Time-Away Compliance Policy. Employees in Sensitive Positions are required to fulfill a Mandatory Time-Away (MTA) requirement of 10 consecutive business days each calendar year.
As a dedicated Bank Payments Processing Specialist, you will be responsible for deposit processing, payment exception handling, and monetary adjustments within a defined regulatory framework. The position involves processing specialized and routine back-office payment transactions (paper, electronic, and deposits) in coordination with other institutions. Key tasks include researching and resolving payment issues and exceptions across all payment channels, including ACH and wire transfers.
We offer a flexible work environment that requires an individual to be in the office 4 days per week. This position can be based in one of the following locations: San Antonio, TX, Plano, TX, Phoenix, AZ, Colorado Springs, CO, Charlotte, NC, Chesapeake, VA or Tampa, FL.
Relocation assistance is not available for this position.
What you'll do:
Apply advanced knowledge of policies, processes, industry practices, systems and/or equipment to open and/or process payments received through various payment systems.
Process bank payments such as reconciling monetary transactions and processing general ledger transactions in accordance with established procedures and service level agreements.
Review moderately complex account transactions for exceptions processing and follows documented procedures to help determine appropriate actions for bank-to-bank adjustments and/or member requested changes in accordance with regulatory guidelines.
Serve as a first line of defense for fraud or suspicious transaction activities for all monetary to include Zelle, ACH, wires, deposits, paper and electronic payment transactions; submits Fraud Referral and/or notifies process owner when suspicious transactions are detected.
As an end-user, support internal financial and payment systems, tools, and technologies to ensure they are in working order. Bring up and reports issues or system defects as appropriate.
Apply strong knowledge to assist on projects, as needed, to include technical systems upgrades, application changes, new product integration, etc.
Collaborate with process owner and business partner in documenting process maps and procedures for key processes and may make recommendations for operational improvements.
Occasionally, communicate with Federal Reserve, NACHA, and other financial or governing institutions for research and resolution through various channels.
Serve as a resource to less experienced team members on escalated issues of a routine nature.
Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.
What you have:
High School Diploma OR General Equivalency Diploma.
Minimum 2 years' experience in bank payments processing including all of the following: exceptions processing, bank to bank adjustments, ACH / wires, and research and resolution for member accounts.
Proficient knowledge of the monetary flow of banking transactions to include general ledger exceptions and outages.
Experience working with external regulating institutions and other banks to decision necessary monetary adjustments.
Advanced problem solving and analytical skills.
Advanced knowledge of ACH, reg E, reg Z, bank adjustment, and other relevant payments processing regulations.
Demonstrated experience using payments processing software and applications such as FIS, FISERV, Pep+, etc.
Proficient knowledge of Microsoft Office applications.
What sets you apart:
In-depth knowledge of various check processing methods, including:
Traditional paper check handling and verification procedures.
Expert knowledge of ACH, reg E, reg Z, bank adjustment, and other relevant payments processing regulations.
Expert knowledge of Check 21 Act regulations and image exchange processes.
Bank payments processing experience including all of the following: exceptions processing, bank to bank adjustments, research and resolution for member accounts.
Experience working with external regulating institutions and other banks to decision necessary monetary adjustments.
Monetary flow of banking transactions to include general ledger exceptions and outages.
Advanced problem solving and analytical skills.
Automated Clearing House (ACH) network operations, rules, and compliance requirements.
Compensation range: The salary range for this position is: $43,680.00 - $76,610.00.
USAA does not provide visa sponsorship for this role. Please do not apply for this role if at any time (now or in the future) you will need immigration support (i.e., H-1B, TN, STEM OPT Training Plans, etc.).
Compensation: USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.
Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.
The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.
Benefits: At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.
For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.
Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting.
USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.