Senior Officer - Payment Investigation (Emiratised Role)

About the role

First Abu Dhabi Bank is hiring a Senior Officer for its Payment Investigation unit in Abu Dhabi. The officer manages payment exceptions, reconciles Nostro and inter-branch accounts and investigates discrepancies such as non-receipt or defaulted funds. Exceptions are handled according to established timelines, escalation matrices, reconciliation policies and operational procedures, supporting risk mitigation, timely reporting, accurate account monitoring and service to internal and external customers.

Key responsibilities

• Reconcile Nostro, inter-branch, general ledger, card, ATM, CDM and other assigned accounts, verifying that ledger entries match bank statements and branch ledgers.
• Investigate outstanding items, payment discrepancies, overdrafts, deal-rounding differences and non-receipt of funds, and follow up with branches, departments, business units and correspondent banks until resolved.
• Escalate payment exceptions according to agreed timelines and risk levels, and manage exception correspondence through the ITRACS Exception Management interface.
• Monitor Nostro account service charges and escalate matters to the Financial Institutions Group when required; prepare SWIFT messages for follow-up with correspondent banks.
• Support the monthly settlement of deal-rounding differences from exchange-rate variations and prepare daily MIS reports, dashboards, exception reports, statistics and traffic-light reports.
• Maintain daily tick lists, file records and documents daily, and respond promptly to customer inquiries.
• Support workload distribution and cover for colleagues on leave, and suggest improvements to operational efficiency, service quality, risk controls and reconciliation processes.

Required profile

• Bachelor's degree in Business Economics, Commerce, Accounting, Finance or a related discipline.
• 3-5 years of relevant banking-sector experience, including at least 3 years in a similar account reconciliation role.
• Practical experience in cards, Nostro and internal account reconciliation.

Required skills

• Knowledge of IntelliMatch or similar reconciliation systems.
• Knowledge of SWIFT standards, especially MT940 and MT950 messages.
• Experience in exception management, payment investigation, operational risk and MIS reporting.
• Analytical and investigative skills, strong attention to detail, good judgment and written and verbal communication skills.