US Payment Processing

Role: US Payment Processing

Location: Bangalore

Employment Type: Full-time

Level – L1, L2 & L3

About ARAs Client

ARAs Client is a global IT and business process services provider delivering innovative, high-quality technology and operational solutions across industries. With a strong focus on excellence and customer satisfaction, the company partners with leading financial services firms to deliver scalable, compliant, and efficient mortgage operations support.

Key Responsibilities

·       Manage the Payment Processing Teams supporting ACH / Cards

·       Must have experience on US Payment Process across ACH / Cards.

·       Proactive to understand the process, doing RCA & putting mitigation plans in place for issues

·       Play an integral role in continuous improvement of reporting processes

·       Developing relationships with the business and ensuring span adds maximum value

·       Manage ad hoc project work of Client

·       Point of contact for the mentioned LOBs for th Clients & Internal stakeholders

·       Manage team of diversity in terms of multiple locations, languages, culture etc.

·       Flexible to work US shift timing

·       Conduct performance appraisals & provide constructive feedback from time to time and ensure performance.

·       Ensure timeliness on reporting and client deliverables.

·       Take initiative to continuously improve the process

Skills & Competencies

·       Hands on experience & nuances of operations related to US Payment processing

·       Excellent people management skills, Issue resolution & leading by exile

·       Excellent client facing capabilities in terms of managing escalations & relationship

·       Excellent communication (Written & Verbal English)

·       Networking capability

·       Analytical (Tactical & Strategic) & forward-thinking mindset

·       Hands on experience resource management (Billable & Buffer headcount)

·       Flexible to travel & work between locations for business reasons

·       Prior experience in running Process improvement, Six Sigma Projects & Business value adds to the

·       client

·       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.

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

Behavioural Skills:

·       Strictly US Shift Working Hours – should be flexible to do Over Time duty if required.

·       Punctual and adherence to attendance and Leaves

·       Adhere to HR Policies as per Company

Nice-to-Have

·       Excellent communication skills – to be part of Client calls and Management Calls.

·       Self-driven, results-oriented with a positive outlook, and a clear focus on high quality

·       and business profit

·       A natural forward planner who critically assesses own performance

·       Mature, credible, and comfortable in dealing with senior big company executives

·       Empathic communicator, able to see things from the other person's point of view

·       Well-presented and businesslike.

·       Sufficiently mobile and flexible.

·       Keen for new experience, responsibility and accountability

·       Able to get on with others and be a team-player

Qualification and Experience

·       Any Graduate

·       6 months of experience in payment processing with ACH cards.