Who We Are
Cross River builds the infrastructure behind the world’s most innovative financial products. Our technology and capital solutions power payments, cards, lending, and digital asset capabilities that move money safely, instantly, and inclusively — trusted by leading fintechs, enterprises, and disruptors across the globe.
Our mission is simple: to build the financial infrastructure that expands access and opportunity for all. Guided by a culture of collaboration, curiosity, and purpose, Cross River has been named one of American Banker’s Best Places to Work in Fintech year after year. Whether you’re designing code, solving regulatory puzzles, or developing strategy, you’ll join a team where innovation and integrity drive everything we do — and where your work helps shape the future of finance.
What We're Looking For
Responsibilities:
- Transaction Processing: Work with multiple systems to monitor, process, control, confirm and settle all daily transactions with accuracy and ensure successful processing to fulfill banking operations obligations.
- Banking Systems Knowledge: Maintain working knowledge of traditional banking systems, including debit and credit card issuing, processing, ACH, wires, and ATM operations.
- Risk & Issue Identification: Conduct reviews and analysis to proactively identify required technical tasks/actions, issues, and risks across operational workflows
- Exception Processing: Perform daily exception processing for incoming ACH/RTP and Wire entries, identifying and resolving discrepancies in a timely manner.
- Exposure Monitoring: Monitor and manage exposure limits for originating partners, escalating concerns as appropriate.
- Reporting & Analysis: Review daily reports related to returns, return rates, and the ongoing monitoring of originated entries; identify trends and flag potential risks.
- Client Support: Provide verbal communication support to ODFI’s, RDFI’s, and consumer inquirers- delivering timely and professional assistance.
- Ad Hoc Project Management: Able to manage ad hoc project tasks and meet deadlines on project timelines, supporting cross-functional initiatives as needed.
Qualifications:
- Minimum of 2 years of experience in ACH, RTP, and Wire operations or a related payments/banking operations role
- Familiarity with NACHA Operating Rules and file mapping requirements
- Knowledge of Regulation E and its application to consumer rights and responsibilities
- Working knowledge of traditional banking systems (debit/credit card issuing, processing, ACH, wires, and ATM)
- Strong attention to detail and analytical skills
- Excellent communication skills, both verbal and written
- Ability to manage multiple priorities in a fast-paced environment and meet project deadlines
- Proficiency in Microsoft Office Suite (Excel, Word, Outlook)
- Ability to assess the impact of critical incidents and communicate solutions to appropriate parties
- Experience conducting reviews and analysis to proactively identify technical tasks, issues, and risks
#LI-AC1 #LI-Hybrid #LI-Onsite
Salary Range: $60,000.00 - $80,000.00
Cross River is an Equal Opportunity Employer. Cross River does not discriminate on the basis of race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status or any other basis covered by appropriate law. All employment is decided on the basis of qualifications, merit, and business need.
By submitting your application, you give Cross River permission to email, call, or text you using the contact details provided. We will only contact you with job related information.
Skills Required
- Minimum of 2 years of experience in ACH, RTP, and Wire operations or a related payments/banking operations role
- Familiarity with NACHA Operating Rules and file mapping requirements
- Knowledge of Regulation E and its application to consumer rights and responsibilities
- Strong attention to detail and analytical skills
- Excellent communication skills, both verbal and written
- Ability to manage multiple priorities in a fast-paced environment and meet project deadlines
- Ability to assess the impact of critical incidents and communicate solutions to appropriate parties
What We Do
Cross River provides technology infrastructure powering the future of financial services. Leveraging a proprietary real-time banking core, Cross River delivers innovative and scalable embedded payments, cards, lending, and crypto solutions to millions of consumers and businesses. Cross River is backed by leading investors and serves the world’s most essential fintech and technology companies. Together with its partners, Cross River is reshaping global finance and financial inclusion. Member FDIC.
