US Payment operations

Dear Aspirants,

Mphasis is hiring for US Payment operations for Bangalore

.
If you have relevant experience and are interested in this opportunity, please submit your application through the link belo

w:
https://r.ripplehire.com/s/cX

jFY
Candidate should be ok with the night shift and work from off

ice.
Skills and Qualificat

• ion –Candidate should have minimum 3 to 5 Years of work experience in Payment Processing preferably within a US Bank, investment adviser, or asset management
• firm.Good understanding NACHA, Fedwire/CHIPS/SWIFT and regulation related to ACH &
• CardsStrong knowledge of ACH processing rules and Card procedures and Dispute Han
• dlingExpertise payment platforms such as ACH Plus, ACHPS, or equivalent banking por
• tals.Proficiency in bank account validation, exception handling, reconciliation, and settlement proce
• sses.Strong analytical and problem-solving skills for resolving payment failures, variances, and investigat
• ions.Understanding fraud control mechanisms, OFAC/AML compliance, and risk-mitigation proced
• ures.Excellent attention to detail, accuracy, and adherence to internal controls and dual authorization workf
• lows.Strong communication skills for interacting with banks, vendors, auditors, and internal stakehol
• ders.Ability to operate in high-volume, deadline-driven environments while maintaining accu

racy.Key Delivera

• bles:Execute end-to-end payment processing for ACH / CARD processing, ensuring accuracy, compliance, and timely settlement across domestic and international transact
• ions.Prepare, validate, and transmit ACH files, or Card transactions through ACH Plus/bank portals with required approval cont
• rols.Manage beneficiary/payee verification, bank detail validation (routing/IBAN/BIC), and adherence to dual control workf
• lows.Monitor and process returns, rejects, and exceptions, including ACH return codes (R01–R85), and investigat
• ions.Process ACH and Card Di
• sputeConduct daily reconciliations of ACH batches resolving breaks with thorough root-cause anal
• ysis.Maintain cut off time adherence, ensuring timely release of ACH runs, and CARD processing aligned with banking schedules and value d
• ates.Generate and maintain daily/weekly/monthly reports including settlement summaries, exception logs, and operational dashbo
• ards.Ensure compliance with NACHA, Fedwire/CHIPS/SWIFT standards, and internal audit requirements through robust documentation, controls, and process govern
• ance.Develop and update SOPs, process documentation, and audit artifacts, supporting continuous improvement, internal controls testing, and operational efficiency initiat

ives.Technical / Non-Technical Sk

• ills:Excellent MS Office skills – MS Excel, Power Point, Excel Macros and E Mail Dra
• ftingGood Typing Speed of 28 WPM with >=95% acc
• uracyExcellent Communication skills – to Review Email, to attend Client Calls, Onshore Trainin

g etc
Behavioral S

• kills:Strictly US Shift Working Hours – should be flexible to do Over Time duty if req
• uired.Punctual and adherence to attendance and
• LeavesTo report to Team Lead and follow the Instructions and the HR Policies as per C

ompanyCertifications N

• eeded: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 adva
• ntage.No Tech Graduates – BE, B Tech,

M TechExpected Compete

• ncies:Interpersonal Effectiveness: Candidate should be a team player and demonstrate required aptitude and attitude towards work and the
• Team.Service Orientation: Candidate should be Customer Centric and committed to delivering the best to Customers and the Bus