Wire Services Specialist III

Responsibilities

• Process, verify, and release domestic and international wire transfers accurately and within established service standards.
• Research, review, and process complex domestic and international wire transactions.
• Investigate and resolve wire exceptions, repairs, rejects, recalls, inquiries, indemnity requests, and payment investigations promptly and accurately.
• Administer and support Secure Caller ID and PIN authentication processes, including setup, maintenance, verification, and issue resolution, while ensuring adherence to security protocols.
• Monitor wire activity through the Federal Reserve Fedwire System, SWIFT network, and correspondent bank relationships.
• Ensure compliance with Regulation E requirements for International Consumer Remittance Transfers.
• Serve as a subject matter expert on wire processing systems, procedures, controls, and regulatory requirements.
• Identify and implement process improvements that enhance efficiency, strengthen controls, mitigate risk, and improve client experience.
• Review wire activity for suspicious transactions and escalate potential fraud, compliance, or security concerns as appropriate.
• Assist management in identifying operational risks, control gaps, and continuous improvement opportunities to strengthen wire operations and mitigate risk.
• Comply with departmental policies, procedures, regulatory requirements, and customer confidentiality standards.
• Passionately serve internal and external clients with professionalism, accuracy, and excellence.
• Maintain a growth mindset by staying current with industry, regulatory, and operational developments affecting wire services and client satisfaction.
• Understand and utilize operational metrics, data, and financial information to support business objectives and improve client outcomes.
• Build and maintain strong relationships with internal and external clients by proactively identifying needs, resolving issues, and mitigating risk.
• Demonstrate positive, proactive, and professional communication skills in a fast-paced environment.
• Partner closely with banking centers, Treasury Management, Commercial Banking, Private Banking, Wealth Management, Fraud, Compliance, and other business lines to resolve exceptions and support payment-related needs.
• Act as an escalation point for complex client and operational issues requiring advanced wire expertise.
• Mentoring & Training
• Serve as a resource and subject matter expert for Wire Services associates by providing guidance on systems, procedures, regulations, and best practices.
• Aid in onboarding and training new associates to ensure operational readiness and adherence to departmental standards.
• Support cross-training initiatives to improve team flexibility, knowledge sharing, and business continuity.
• Provide coaching and assistance to team members on complex wire transactions, investigations, exception processing, and client inquiries.
• Aid management with maintaining and updating training materials, job aids, and procedural documentation.
• Share process enhancements, procedural updates, and best practices to promote consistency, quality, and efficiency across the team.
• Foster a culture of continuous learning, collaboration, accountability, and operational excellence.

Qualifications And Education Requirements

• Minimum 4 years of experience in wire transfer, payments, treasury, or related banking operations.
• Advanced knowledge of domestic and international wire processing, payment investigations, authentication controls, and related operational risk practices.
• Working knowledge of Fedwire, SWIFT, OFAC, Regulation E, fraud prevention, and wire transfer regulations.
• Demonstrated ability to mentor, guide, and positively influence team members.
• Strong client service, analytical, problem-solving, and organizational skills.
• Excellent attention to detail with the ability to effectively manage competing priorities.
• Demonstrated ability to identify operational risks and recommend appropriate mitigation strategies.
• Proficiency with Microsoft Office applications, including Word, Excel, Outlook, and Teams.
• Ability to navigate multiple systems, applications, and research tools in a fast-paced environment.