Real Time Payments Analyst

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U.S. Bank

WebsiteLinkedInAll Job Openings

10,000+ employees

🏦 Banking

💸 Finance

🛡️ Insurance

💰 $55M Post IPO debt on 2023-10

Banking • Finance • Insurance

U. S. Bank is a large, diversified commercial bank and financial services company. It operates retail and branch banking, corporate and commercial banking, lending and credit underwriting, wealth management, investment and asset management, and offers insurance and other financial products. The company serves consumer and business customers through physical branches, digital and contact-center channels, and maintains a multinational presence (locations in the United States, Canada, Europe and India). It is a Member FDIC institution and emphasizes customer-focused services, inclusion, and career development.

📋 Description

• Monitor Immediate Payments systems, queues, alerts, dashboards, and transaction activity • Perform scheduled system checks, transaction status reviews, exception monitoring, network validation, and operational readiness checks • Investigate and triage operational exceptions, payment delays or failures, and system alerts • Escalate issues to technology, operations, product, risk, compliance, vendors, and networks • Support production validation during maintenance windows, releases, upgrades, and resiliency events • Research and resolve rejected, pending, incomplete, or duplicate payment transactions • Perform reconciliation and balancing, including general ledger review, offset validation, and settlement verification • Respond to operational inquiries through shared mailboxes, case systems, and escalation channels • Maintain documentation of system activity, incidents, and resolutions for audit and compliance • Identify recurring issues and process gaps and recommend improvements to reliability, customer experience, and risk management

🎯 Requirements

• Bachelor’s degree, or equivalent work experience • Five to eight years of experience in payment operations, financial services, or a related business function • Strong knowledge of payment processing, reconciliation, exception handling, and operational controls • Familiarity with Immediate Payments frameworks, including RTP and FedNow environments • Ability to work independently during weekends, holidays, and non-standard hours • Strong analytical, problem-solving, and organizational skills • Effective written and verbal communication skills • Experience with real-time payment operations and settlement processes • Understanding of regulatory, compliance, and audit requirements within financial services • Experience documenting incidents, procedures, and operational controls

🏖️ Benefits

• Night shift bonus included • Performance-based incentives for eligible employees • Inclusive equitable benefits focused on financial wellbeing, health and wellness • Continuous development opportunities including training, education support, and career progression pathways • Employee recognition programs celebrating achievements and milestones