Payment Operations Analyst

SouthState Bank

. Support day-to-day operations for sending and receiving FedNow and RTP instant payments .

Posted 10/6/2026full-timeRemote • United StatesMid-LevelSenior💰 $59,959 - $95,780 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in payment operations, including RTP, FedNow, and ISO 20022 compliance, while effectively managing operational tasks and collaborating with cross-functional teams. Strong analytical skills and clear communication abilities are essential for resolving payment issues and supporting product enhancements.

Highest-signal resume keywords

Payment Operations ExperienceRTP KnowledgeFedNow KnowledgeISO 20022 ComplianceAnalytical Problem-Solving Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Payment ProcessingKPI ReportingOperational CorrectionsAudit ReadinessRisk AssessmentsControl TestingSystem Issue ResolutionProduct DocumentationPayment System FunctionsMessage Formatting

Soft Skills

Clear CommunicationCollaborative ApproachGrowth MindsetAnalytical SkillsProblem-Solving Skills

Tools & Technologies

Microsoft OfficePayment PlatformsElectronic Payment Systems

Certifications & Qualifications

AFPPAPRPAAP

Industry Keywords

Fintech ExperienceFinancial InstitutionInstant PaymentsACH OperationsTokenized Deposits

About the role

Key responsibilities & impact

Support day-to-day operations for sending and receiving FedNow and RTP instant payments
Process payments, monitor activity, and complete periodic reporting
Research and resolve returns, rejects, and operational corrections within designated timelines
Support planning, testing, and implementation of product enhancements, platform releases, regulatory or industry changes, and conversions
Coordinate with IT and vendor partners to identify root causes and resolve system, file, or transmission issues
Support major incidents and time-sensitive payment issues outside normal business hours as needed
Assist with audit readiness, risk assessments, and control testing
Gather documentation and evidence to support compliance with ISO 20022 and Nacha requirements
Investigate and respond to customer and internal inquiries regarding FedNow, RTP, and other electronic payments
Maintain operating procedures, product documentation, job aids, and test scripts
Produce KPI/KRI reporting
Partner with the Financial Intelligence Unit to identify, escalate, and mitigate suspected fraud and suspicious activity
Partner with cross-functional teams to integrate instant payment solutions with upstream and downstream systems and operational workflows
Support ACH, wire, and tokenized deposit operations or related projects as needed
Take ownership of assigned operational tasks and challenges

Requirements

What you’ll need

Bachelor’s degree required, or equivalent combination of education and relevant work experience
5+ years of professional experience
2 to 3 years in payment operations, payment support, or related functions
Financial institution or fintech experience preferred
Relevant industry certification preferred (e.g., AFPP, APRP, AAP), or commitment to obtain one within 12 months of hire
Working knowledge of RTP, FedNow, and ISO 20022
Understanding of core payment system functions, including validations, rule engines, fees, postings, settlement, routing, message formatting, and status reporting
Strong analytical and problem-solving skills
Clear written and verbal communication skills
Collaborative approach with peers, stakeholders, end users, and vendors
Proficiency with Microsoft Office
Ability to learn new systems/tools quickly
Growth mindset and comfort navigating ambiguity and building processes with limited direction
Ability to work 11:30 am–8:30 pm Eastern Time
Must be available outside normal business hours as needed for major incidents and time-sensitive payment issues
Ability to communicate in person, by phone, and through electronic channels
Ability to use a computer frequently, including typing and sustained attention to a monitor
Ability to sit, walk, and/or stand for extended periods
Ability to bend and reach

Benefits

Comp & perks

Remote or hybrid work arrangement, if applicable
Secure, distraction-free remote work setting with reliable internet connection
Equal Opportunity Employer, including disabled/veterans