Operations Officer, Embedded Finance in Lake Mary, Florida at COGENT BANK

Job Summary

The Operations Officer will support payment operations, settlement coordination, operational monitoring, and day to day operational support across ACH, RTP, FedNow, and future debit card programs.

This role partners cross functionally with BSA, Fraud, Finance, Treasury, Risk, and external vendors to support payment operations stability, operational controls, settlement activities, and scalable payment operations across modern payment rails.

The ideal candidate will have strong ACH and payment operations experience, strong problem-solving capabilities, and experience working in banking, treasury management, payment operations, card operations, or fintech environments.

Responsibilities and Duties

• Support daily payment operations across ACH, RTP, FedNow, and future debit card programs
• Monitor transaction activity for processing accuracy, operational exceptions, and timing requirements
• Support ACH lifecycle management including returns, reversals, NOCs, and exception handling
• Support RTP and FedNow operational workflows and operational issue coordination
• Support settlement activities, payment flows, funding processes, and reconciliation support across payment systems and partner programs
• Investigate and coordinate resolution of reconciliation breaks, settlement discrepancies and operational issues
• Support operational readiness, testing, and execution activities for future debit card programs
• Coordinate with processors and operational partners on payment, card, and operational issues
• Support operational coordination related to settlement activity, funding processes and payment flows
• Escalate suspicious or unusual activity to BSA, Fraud, and Risk teams
• Serve as an operational point of contact for payment related issues and escalations
• Support audit requests, operational reviews, and regulatory requirements
• Ensure adherence to internal operational procedures and regulatory requirements
• All other tasks, responsibilities, or duties, as directed by management.

Qualifications and Skills

• 3 to 7 years of experience in banking, payments, treasury management, deposit operations, card operations, or payment operations environments
• Strong knowledge of ACH operations including returns, reversals, exception handling, and timing requirements
• Experience supporting payment operations, settlement activities, reconciliation support, or funds movement operations
• Exposure to RTP, FedNow, debit card operations, or faster payment systems preferred
• Experience with payment exception management and operational troubleshooting
• General understanding of payment fraud controls and operational risk management practices
• Strong organizational, problem solving, and operational coordination skills
• Ability to manage multiple priorities in a fast-paced environment
• Proficiency with Microsoft Office and operational tracking tools

Preferred Qualifications

• Accredited ACH Professional (AAP) strongly preferred
• Experience working with payment processors or modern payment platforms preferred
• Exposure to debit card operational workflows, disputes, or chargeback processes preferred
• Experience supporting audits, exams, or operational compliance reviews preferred