Dear Aspirants,

We have the walk in drive for Payment Processing US Client ACH / CARD for Bangalore Location.

Drive date and time : 26th Apr-26, 11:00 AM to 2:30 PM

Drive Location

Bagmane World Technology Centre, WTC 4, 4th Floor, K. R. Puram Marathahalli Ring Road, Doddenekundi, Bangalore 560048

Please carry an updated resume copy (Hard Copy) along with a Photo ID Proof (Aadhar Card)

Candidate should be ok with the night shift and work from office.

Immediate Joiners are preferred

No Tech Graduates BE, B Tech, M Tech

Work Location: Bangalore

Job Summary Payment Analyst US Client ACH / CARD.

Skills and Qualification

- Candidate should have minimum 2 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.
- Strong 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.
- Solid 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.

📌 Walk in Drive at Mphasis Bangalore For US Payment Operations (Bengaluru)
🏢 Mphasis
📍 Bengaluru