Dera Aspirants,

Mphasis is hiring for the QA-US Payment operations.

Location: Global Village Tech Park, Bangalore

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

If you are interested in this chance, please apply using the link below:

https://r.ripplehire.com/s/dgB6N

Role & responsibilities

Job Summary QA/SME Payment Analyst US Client Check Item / Exception Processing / ACH

Skills and Qualification

- Candidate should have minimum 3 to 5 Years of work experience in Payment Processing Check Item/Exception processing preferably within a US Bank, investment adviser, or asset management firm.
- Good understanding regulation related to Checks
- Good Communication Skills, conduct training for large team
- Strong knowledge of Check item procedures / ACH.
- Able to perform Quality checks, perform RCA and CAPA and conduct feedback session
- Expertise payment platforms SCO Web/ 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.
- 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 Checks, ensuring accuracy, compliance, and timely settlement across domestic and international transactions.
- Prepare, validate, and transmit Check disbursement batches 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, check exceptions (stop payments, stale/altered checks).
- Conduct daily reconciliations of check registers against bank statements, resolving breaks with thorough root-cause analysis.
- Maintain cut off time adherence, ensuring timely release of check processing aligned with banking schedules and value dates.
- Generate and maintain daily/weekly/monthly reports including settlement summaries, exception logs, outstanding checks, and operational dashboards.
- Ensure compliance with regulatory 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 – should be flexible to do Over Time duty if required.
- 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

Expected Competencies:

- Interpersonal Effectiveness: Candidate should be a team player and demonstrate required aptitude and attitude towards work and the Team.
- Service Orientation: Candidate should be Customer Centric and committed to delivering the best to Customers and the Business.

📌 Mphasis is Hiring For US Payment operations QC role (Bengaluru)
🏢 Mphasis
📍 Bengaluru