Description

Join Our Team—Where Accuracy, Discipline, and Trust Power Secure Payments

We’re seeking a Wire Services Specialist to support the day-to-day operations of the Bank’s wire room, ensuring domestic and international wire transactions are processed accurately, securely, and in full compliance with Bank policy and regulatory standards. This role is critical to protecting our customers, our partners, and the Bank by applying disciplined controls, careful authentication, and consistent execution in a high-risk payment environment.

As part of our continued commitment to strong risk management and operational excellence, First Carolina Bank is guided by our core values: Intentional, Responsive, Enterprising, and Considerate. These values shape how we manage sensitive transactions, partner across the organization, and deliver dependable service that earns trust.

Why You’ll Love This Role

• Play a key role in safeguarding secure payment activity through disciplined wire processing
• Work in a structured, team-based environment where accuracy, consistency, and control matter
• Apply well-defined procedures to mitigate operational and fraud risk
• Collaborate closely with Retail Banking, Deposit Operations, IT, Compliance, Risk, Audit, and FinTech partners
• Thrive in a steady, detail-driven role with clear expectations and recurring workflows
• Build long-term expertise in wire services, payment controls, and regulatory compliance
• Be part of a supportive team that values professionalism, cooperation, and shared accountability

What Makes You a Great Fit

• Detail-oriented and methodical, with a strong commitment to precision and quality
• Comfortable working within established processes, controls, and regulatory requirements
• Patient, dependable, and steady when managing repetitive, time-sensitive workflows
• Collaborative and service-oriented, with a cooperative and supportive working style
• Thoughtful and cautious with risk, especially when handling sensitive customer and transaction data
• Comfortable working under deadlines while maintaining control and accuracy
• Communicates clearly, professionally, and respectfully with internal partners and external vendors

Key Responsibilities

• Process incoming and outgoing domestic and international wire transfers using established authentication and security procedures
• Secure and maintain confidential customer and transaction information at all times
• Conduct research and complete necessary adjustments or corrections when required
• Partner with branches, FinTech partners, and vendors to answer questions, provide research, and support existing customers
• Collaborate with operations team members to ensure all wires are processed within established cutoff times and service-level objectives
• Assist with preparation for and response to internal audits and regulatory exams
• Provide deposit operations backup support as needed
• Support special projects and operational initiatives as assigned

Qualifications

Required

• High School diploma or equivalent
• Minimum of 2 years of experience in the banking industry
• Working knowledge of banking laws, regulations, and security practices
• Strong organizational skills with exceptional attention to detail
• Ability to learn and adapt to regulatory changes and evolving processes

Preferred

• Some college coursework
• Experience in bank operations or deposit services
• Experience with Jack Henry systems (SilverLake, Yellow Hammer, Synergy)
• Experience with FIS Prime, Verafin, or comparable systems

Risk Management Requirements

• Adheres to workplace policies, Code of Conduct, confidentiality, privacy, and information security standards
• Complies with all applicable regulatory requirements, including BSA, AML, and USA PATRIOT Act policies
• Acts strictly within authorized limits and delegated authorities
• Follows established controls and procedures to protect the Bank, customers, and shareholders
• Actively mitigates risk by complying with security, authentication, and operational guidelines

Benefits

• Competitive total compensation
• Comprehensive health, dental, and vision insurance
• Retirement savings plan with company match
• Paid time off and paid holidays
• Professional development and internal growth opportunities
• Employee assistance programs
• Opportunity to directly support the safety, soundness, and reputation of the Bank

Our Core Values

Enterprising: We approach our work with discipline, sound judgment, and accountability.

Intentional: We deliver careful, consistent work and follow through with precision.

Responsive: We provide dependable, timely support that earns trust across the organization.

Considerate: We collaborate respectfully, valuing teamwork, professionalism, and shared responsibility.

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Summary

Position Purpose:

• This position is responsible for supporting the day-to-day activities of the Bank’s wire room.

Primary Responsibilities:                                     

• Process incoming, outgoing, domestic, and international wire transfers, following proper authentication procedures.
• Must secure and maintain confidential customer information.
• Conduct research and make necessary adjustments when required.
• Provide support for and liaise with branches and FinTech partners and vendors by answering questions, providing research, supporting existing customers, etc.
• Collaborate and partner with other operations team members to ensure all wires are processed by established cutoff times and within Service Level objectives.
• Assist in the preparation for and response to exams and audits during regulatory exams and internal audits.
• Provide Deposit operations back-up support, as necessary.
• Actively assist in special projects.

Authority, Impact, Risk:

• Wire Input and Initiation Authority
• FedLine
• Understanding of the Silverlake system- including Wires, ACH
• Complete and comply with all required training, policies, and procedures of the bank, including Bank Secrecy Act (BSA) and attend all mandatory BSA training as needed for this position

Key Relationships:

• Routine interaction with department heads and staff across Retail Banking, Operations, IT, Compliance, Risk, Audit and FinTech partner fraud and operations
• Branch Supervisors, Universal Bankers
• Manager – Wire Services
• Director – Deposit Services

Managerial Accountability:

• N/A

Working Conditions:

• Ability to work in fast paced environment
• Ability to work under tight deadlines
• Ability to be self-motivated and well organized
• Ability to multitask
• Ability to operate information terminal and other standard office equipment
• Detail oriented
• Strong analytical and data gathering skills
• Good communication skills
• Limited travel

Time Allocation:

• Wire processing………………………………………….80%
• Other duties as needed………………………........20%

Job Specifications:

Position adheres to confidentiality policy, code of ethics and knowledge of Bank Secrecy Act and best practices and other pertinent Regulatory laws and regulations.

Required:

• High School Diploma or equivalent
• Minimum 2 years’ experience in banking industry
• Knowledge of banking laws and regulations
• Ability to learn and adapt to regulatory changes and company growth
• Detail oriented

Preferred:

• Some college
• Minimum 2 years’ experience in bank operations
• Jack Henry experience (Silver Lake, Yellow Hammer, Synergy)
• FIS (Fidelity) Prime and Verafin

Risk Management Requirements:

Understands and adheres to Workplace Policies, Code of Conduct, privacy, and information security guidelines. Understands and adheres to Anti-Money Laundering, Bank Secrecy Act, and Compliance with the USA PATRIOT Act policies and procedures applicable to position, completing any supporting requirements within defined timeframes. Acts within authorized limits and delegated authorities and role applicable policies and procedures. Follows processes and controls to protect shareholder interests. Mitigates risk to the bank and customers by following all applicable security procedures.

Equal Opportunity Employer including Veterans/Disabilities