ACH, ECS, and Instant Payments - Technology Business Systems Consultant

Posted 7 Hours Ago
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Charlotte, NC, USA
Hybrid
Junior
Fintech • Financial Services
Wells Fargo: Tech-powered. Innovation-led. We're transforming financial services.
The Role
Supports ACH, ECS, and instant payments platforms by investigating production incidents, analyzing system behavior, identifying root causes, resolving issues, supporting client escalations, and coordinating with technology, operations, platform support, and product teams. The role also contributes to operational readiness, training, process improvement, business continuity, and product enhancements. Requires flexibility for extended shifts, rotational on-call coverage, weekend validation exercises, and a hybrid onsite schedule.
Summary Generated by Built In
About this role:
Wells Fargo is seeking four Technology Business Systems Consultants within the Payments Operations organization.
As a Technology Business Systems Consultant within Payments Operations Monitoring and Support (POMS), you will serve as a key subject matter expert supporting Wells Fargo's Automated Clearing House (ACH), Electronic Commerce Services (ECS) and/or Instant Payments platform and related applications. This role is responsible for leading complex research, incident investigation, and production issue resolution in partnership with Technology, Platform Support, Operations, and Product teams. You will analyze system behaviors, identify root causes, assess client and operational impacts, and drive timely resolution of production events while helping ensure the stability and resiliency of critical payment processing functions. The position also serves as a trusted partner in support of client escalations, operational readiness, product enhancements, and business continuity activities.
Success in this role requires strong analytical skills, a deep curiosity for solving complex problems, the ability to navigate across multiple organizations, and a passion for improving processes that support some of the industry's largest and most critical payment networks.
In this role, you will:
  • Evaluate moderately complex business problems and provide technical assistance in identifying automated systems and related procedures that are cost effective and meet business requirements
  • Review and evaluate moderately complex technical, customer, and business problems
  • Present recommendations for resolving business problems
  • Exercise independent judgment
  • Provide information about communication between business and technology teams
  • Work with business user groups to provide training, handle questions, observe user needs, and document results
Required Qualifications:
  • 2+ years of Business Systems Data experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education
Desired Qualifications:
  • Operational support background
  • Production environment experience
  • Experience in technology support roles
  • Knowledge of EDI - Electronic Data Interchange
  • Knowledge of instant payment processes (Venmo, Zelle, RTP, FedNow, etc)
  • Knowledge of ACH processes
  • Experience supporting Mainframe applications
  • Knowledge of file formats (IDOC, JSON, NACHA, HTML, etc)
  • Experience researching and applying business knowledge to strategic plans
Job Expectations:
  • Monday - Friday: ability to work a shift between the hours of 7:30 AM to 10:00 PM ET, requires flexibility for overtime and coverage as needed
  • Must be willing to work rotational on-call shifts as needed and cover weekend business validation exercises as scheduled.
  • This position offers a hybrid work schedule requiring 3 full days in the office (8 hours a day) and 2 full days remote.
  • Ability to work on-site at the posted work location
  • This position is not eligible for Visa sponsorship
Posting End Date:
12 Sep 2026
*Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.
Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
#BI-Hybrid

Skills Required

  • 2+ years of Business Systems Data experience, or equivalent experience, training, military experience, or education
  • Operational support background
  • Production environment experience
  • Experience in technology support roles
  • Knowledge of Electronic Data Interchange (EDI)
  • Knowledge of instant payment processes, including Venmo, Zelle, RTP, or FedNow
  • Knowledge of ACH processes
  • Experience supporting Mainframe applications
  • Knowledge of file formats including IDOC, JSON, NACHA, and HTML
  • Experience researching and applying business knowledge to strategic plans
  • Ability to work onsite at the posted work location
  • Flexibility for overtime, rotational on-call shifts, and scheduled weekend business validation exercises

Wells Fargo Compensation & Benefits Highlights

  • Healthcare Strength Health coverage begins on day one with comprehensive medical, dental, and vision options, and the company subsidizes a substantial share of premiums for U.S. employees (varying by compensation band).
  • Retirement Support A robust 401(k) program includes an employer match for eligible employees, with specifics laid out in plan materials and filings.
  • Parental & Family Support Paid parental leave extends up to 16 weeks for eligible primary caregivers, alongside fertility coverage, adoption/surrogacy reimbursement, and lactation support.

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The Company
HQ: San Francisco, CA
205,000 Employees
Year Founded: 1852

What We Do

Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $2.2 trillion in assets. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. Wells Fargo ranked No. 33 on Fortune’s 2025 rankings of America’s largest corporations. Our technology professionals drive innovation, information security, and big data analytics while maintaining a network that handles more than 12 billion customer interactions a year. Join us! Are you looking for more? Find it here. At Wells Fargo, we're more than a financial services leader – we’re a global trailblazer committed to driving innovation, empowering communities, and helping our customers succeed. We believe that a meaningful career is much more than just a job – it’s about finding all of the elements to help you thrive, in one place. Living the Well Life means you’re supported in life, not just work. It means having robust benefits, competitive compensation, and programs designed to help you find work-life balance and well-being. You’ll be rewarded for investing in your community, celebrated for being your authentic self, and empowered to grow. And we’re recognized for it — Wells Fargo continues to rank on the LinkedIn Top Companies lists of best workplaces “to grow your career.” All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. © 2026 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.

Why Work With Us

We're known for our “Well Life” approach to supporting employees’ career aspirations, work-life balance, and mental and physical health. Wells Fargo continues to rank on the LinkedIn Top Companies lists of best workplaces “to grow your career.”

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