Roles and Responsibilities

Payment Analyst US Client ACH / CARD.

Skills and Qualification

- Candidate should have minimum 1 to 5 Years of work experience in Payment Processing preferably within a US Bank, investment adviser, or asset management firm.

- Good understanding NACHA, Fedwire/CHIPS/SWIFT and regulation related to ACH & Cards

- Strong knowledge of ACH processing rules and Card procedures and Dispute Handling

- Expertise payment platforms such as ACH Plus, ACHPS, or equivalent banking portals.

- Proficiency in bank account validation, exception handling, reconciliation, and settlement processes.

- Robust analytical and problem-solving skills for resolving payment failures, variances, and investigations.

- Understanding fraud control mechanisms, OFAC/AML compliance, and risk-mitigation procedures.

- Excellent attention to detail, accuracy, and adherence to internal controls and dual authorization workflows.

- Strong communication skills for interacting with banks, vendors, auditors, and internal stakeholders.

- Ability to operate in high-volume, deadline-driven environments while maintaining accuracy.

Key Deliverables

- Execute end-to-end payment processing for ACH / CARD processing, ensuring accuracy, compliance, and timely settlement across domestic and international transactions.

- Prepare, validate, and transmit ACH files, or Card transactions through ACH Plus/bank portals with required approval controls.

- Manage beneficiary/payee verification, bank detail validation (routing/IBAN/BIC), and adherence to dual control workflows.

- Monitor and process returns, rejects, and exceptions, including ACH return codes (R01R85), and investigations.

- Process ACH and Card Dispute





- Conduct daily reconciliations of ACH batches resolving breaks with thorough root-cause analysis.

- Maintain cut off time adherence, ensuring timely release of ACH runs, and CARD processing aligned with banking schedules and value dates.

- Generate and maintain daily/weekly/monthly reports including settlement summaries, exception logs, and operational dashboards.

- Ensure compliance with NACHA, Fedwire/CHIPS/SWIFT standards, and internal audit requirements through robust documentation, controls, and process governance.

- Develop and update SOPs, process documentation, and audit artifacts, supporting continuous improvement, internal controls testing, and operational efficiency initiatives.

Technical / Non-Technical Skills:

- Excellent MS Office skills – MS Excel, Power Point, Excel Macros and E Mail Drafting

- Good Typing Speed of 28 WPM with >=95% accuracy

- Excellent Communication skills – to Review Email, to attend Client Calls, Onshore Training etc

Behavioral Skills

- Strictly US Shift Working Hours (8.30 PM IST To 5.30 AM IST)

- Should be flexible to do Over Time duty if required.

- Work from Office – No Hybrid of WFH

- Should be flexible with the weekly off

- Punctual and adherence to attendance and Leaves
- To report to Team Lead and follow the Instructions and the HR Policies as per Company

Certifications Needed

- Education: 12 + 3 Degree Education is mandatory – B Com, BBA and BBM Graduates preferred, however Candidate with good work experience but with other Specialization can be looked into to some extent Only.

- Additional Certification on Banking and Payment Processing US Regulatory Bodies is an added advantage.

- No Tech Graduates – BE, B Tech, M Tech

Interested candidates Can Call Or Wats app To Hr Pooja @ (phone hidden) And Scedule Your Interviews!!!

Note : Immediate Joining

📌 Spot Offer For Payment Analyst( US Client) Sal Up To 7L (Bengaluru)
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