Bank Payments Processing Specialist (Intermediate) - Sensitive Profile
- Job ID
- R0110193
- Date posted
- 07/09/2025
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 perform services for deposit processing, payment exception and monetary adjustments. You will process specialized and routine back-office payment transactions, often in coordination with other institutions, to include paper, electronic, deposits. Research and resolve payment issues, payment exceptions, and monetary adjustments across all payment channels including ACH (Automated Clearing House) and wires.
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:
Acquire and apply intermediate knowledge of policies, processes, industry practices, systems and/or equipment to open and/or process payments received through various payment systems.
Assist with processing bank payments such as reconciling monetary transactions and processing general ledger transactions in accordance with established procedures and service level agreements.
Review account transactions for exceptions processing and helps 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.
As an end-user, supports internal financial and payment systems, tools, and technologies to ensure they are in working order. Bring up and report issues or system defects as appropriate.
May collaborate with process owners and business partners to assist in making recommendations for operational improvements.
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
1 year of 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.
Working knowledge of the monetary flow of banking transactions to include general ledger exceptions and outages.
Strong problem solving and analytical skills.
Working knowledge of ACH, reg E, reg Z, bank adjustment, and other relevant payments processing regulations.
Ability to acquire experience using payments processing software and applications such as ImageOne, FDR, UBEX, Vector/Phoenix, Fidelity, Pep+, etc.
Working knowledge of Microsoft Office applications.
What sets you apart:
Fraud experience; strongly desired.
Advanced knowledge of the monetary flow of banking transactions to include general ledger exceptions and outages.
Strong problem solving and analytical skills.
Advanced knowledge of ACH, reg E, reg Z, bank adjustment, and other relevant payments processing regulations.
Advanced experience using payments processing software and applications such as ImageOne, FDR, UBEX, Vector/Phoenix, Fidelity, Pep+, etc.
Advanced experience using Microsoft Office applications.
Compensation range: The salary range for this position is: $43,680.00 - $67,720.00
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.