Benefits:

• Health insurance
• Paid time off
• 401(k)

Position Summary:

The Payment Solutions Manager is responsible for building, managing, and advancing the bank's payments capabilities to support both near-term core conversion needs and long-term strategic growth

This role will serve as the bank's payments subject matter expert, leading the development of modern payment rails, including real-time and P2P solutions, while ensuring strong operational execution across debit, ACH, and other payment channels.

This position will help define and execute the bank's overall payments strategy, with a focus on enhancing customer offerings, increasing payments usage, and driving interchange and fee income through data-informed decision-making

The role partners closely across teams to ensure the bank's payments infrastructure is scalable, efficient, and positioned for future growth

Duties and Responsibilities

• Own and lead the bank's overall payments strategy, including development, execution, and continuous improvement of payment products and services.
• Design, build, and manage modern payment rails, including but not limited to Zelle, Real-Time Payments (RTP), FedNow, and other P2P solutions.
• Serve as the internal payments architect, ensuring systems, integrations, and processes are scalable, secure, and aligned with the bank's long-term technology roadmap.
• Lead payment-related workstreams, including debit card programs, ACH processing, and other payment channels, ensuring seamless implementation and minimal disruption.
• Establish strong controls, efficient workflows, and high service standards across all payment channels.
• Collaborate cross-functionally with retail, treasury management, operations, IT, and finance teams to align payment initiatives with business goals and customer needs.
• Stay current on emerging payment technologies and industry trends, proactively recommending innovations that enhance the bank's competitive position.
• Partner with overlapping risk area teams, such as Treasury Management (ACH), Fraud, Legal and Compliance for developing and strengthening items such as mitigations, parameters, and audit & internal controls within any relevant areas.
• Participate in special projects or assignments as necessary.
• Perform other duties as required to fulfill the responsibilities of the position.
• Follow procedures and policies that ensure compliance with not only Bank policies and procedures, but also all applicable federal and state banking regulatory agency policies.
• Comply with bank standards for attendance and hours of work.

Qualifications

• Bachelor's degree in finance, business, information systems, or related field (or equivalent combination of education and experience).
• 5+ years of experience in payments, treasury, banking operations, or financial technology, with demonstrated depth in ACH, debit card, and/or real-time payment systems.
• Professional payments certification preferred, such as Accredited ACH Professional (AAP) or other relevant industry credentials.
• Experience implementing or managing modern payment solutions, including platforms such as Zelle, RTP, FedNow, or other P2P/payment rails.
• Strong understanding of payment operations and infrastructure, including settlement processes, integration points, and vendor relationships.
• Demonstrated ability to develop and execute strategy, particularly in driving product adoption, improving customer experience, and increasing payments-related revenue.
• Analytical mindset with the ability to leverage data to inform decisions, identify opportunities, and measure performance.
• Knowledge of regulatory and risk considerations related to payments, including ACH rules, network requirements, and general banking compliance expectations.
• Self-starter with an architectural mindset, capable of building and scaling payment capabilities in a growing organization.

Skills and Abilities:

Adaptability:

• Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations.

Attention to Detail:

• Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.

Change Management:

• Must embrace change and see change as opportunity. Must be willing to express and support management's ideas to affected staff.

Customer Orientation:

• Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers to gain their respect and loyalty.

Oral/Written Communication:

• The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences and to all levels of staff.

Professionalism:

• Project a positive image of the bank to all internal and external customers.

Time Management:

• Ability to effectively manage one's time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.

Team Player:

• Must view oneself as part of an overall team. This includes supporting others throughout the entire bank to achieve the overall goals of the bank.

Working Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Travel:

Valid driver's license required for travel to Bank offices, training sessions, customer meetings, Bank and community meetings, etc.

Physical Requirements

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This job description in no way states or implies that these are the only duties to be performed by the employee occupying this position. Employees may be required to follow other job-related instructions and to perform other job-related duties as requested, subject to all applicable state and federal laws. Certain job functions described herein may be subjected to possible modification in accordance with applicable state and federal laws. There are different experiences that suggest other ways or circumstances where reasonable changes or accommodations are appropriate. All activities, demands, conditions, and requirements are linked to duties and responsibilities.

Job Description subject to change at any time at the discretion of management