Job Summary Payment Analyst US Client Check Item / Exception Processing

Skills and Qualification

Candidate should have minimum 1 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
Strong knowledge of Check clearing procedures.
Expertise payment platforms SCO Web 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

Check processor