What is the opportunity ?

This position is primarily responsible for ensuring all Branch payments are completed in established timeframes as outlined in KPI (Key Performance Indicator). This individual acts as a key referral point for same day/future value payments from Payments Operators, Correspondents Banks, Service Partners and other Lynx FI Participants.

What will you do?

• Act as a Sr. Repair Operator act as a referral point for all Payments Processing staff, P&T Client Services, LYNX Participants and other internal / external clients with regards to branch payment items.
• Responsible for the timely and accurate processing and verification of payment s, as per hourly requirements, utilizing all available tools and resources i.e. SRF; Unit Directory; Broadcast Messages; CPA Banks/Trust/Credit Directories; co-workers etc
• Ensures all required fields, on Payments being repaired, are completed and formatted properly.
• Enter; Repair and/or Verify payments in Funds Transfer in strict accordance to SWIFT; LYNX.; CPA.; FED; CHIPS; Industry Guidelines; and RBC Policy.
• Ensures all assigned queues are cleared to meet established deadlines and displays flexibility relative to working occasional overtime and supporting the US coverages as necessary
• Further ensure that operational, financial and reputational risk is mitigated through the prioritization of workflow and being aware of various cut-off times and associated responsibilities.
• Adhere to the overall business KPI requirements of 12.5 per month in keeping errors to a minimum
• Fully support the reductions of corrections and unnecessary Payment Exception transactions in adherence to internal quality assurance
• Report any suspicious transactions to an Assistant Manager or Senior Officer within Payment Services.
• Avoid sundry losses/LOC and minimize operational risk by ensuring that the proper due diligence are followed according to procedures. 
• Adhere to exception processes established within Payment Services to mitigate operational, reputation and business risk.
• Ability to produce 6.5+ hours of payments accordingly to daily benchmark
• Provides timely input and feedback to Management, or relevant service partner, in a continuous effort to improve quality and productivity i.e. Straight- through processing
• Responsible for the development of a continuous learning philosophy by enhancing competencies through self-development plans i.e. coaching; RBC Campus; cross-training; job-shadows; etc.
• Bypass process will be closely monitored to ensure that high attention is being paid to the accuracy of output, while delivering against the required benchmarks
• Employees on Direct Drive must “consistently meet hurdle”  of 36 credits/hr
• Returns any incomplete payment instructions to the branch and / or obtains guidance from Payment Exception Officers.
• Fully support the reductions of corrections and unnecessary Payment Exception transactions in adherence to internal quality assurance
• Adhere to the overall business KPI requirements as per Performance Management per month by keeping errors to a minimum.
• Routes items to Wires Helpdesk to contact client and “appends” the payment with “clear and concise” information to complete payment instructions.
• Responsible for the timely and accurate processing of all unqualified payments received from different interfaces, as per hourly requirements, utilizing all available tools and resources i.e. SRF, UD, Banking Arrangement, CHIPS, TGBR, CPA Banks/Trust/Credit Directories, co-workers etc.
• Provides timely input and feedback to Manager or relevant service partners in a continuous effort to improve quality and productivity i.e. STP
• Responsible for the development of a continuous learning philosophy by enhancing competencies through self-development plans i.e. coaching; RBC Campus; cross-training; job-shadows; videos, books; etc.
• Avoid sundry losses/LOC and minimize operational risk by ensuring that the proper due diligence are followed according to procedures. 
• Further ensure that operational, financial and reputational risk are mitigated through the prioritization of workflow and being aware of various cut-off times and associated responsibilities [i.e. Effective management of queues]
• On an ongoing basis, assures fulfillment of Internal Audit, SOX, Policy & Procedure, RCA and MICR requirements.
• Demonstrate flexibility to work occasional overtime and rotate working on statutory holidays.
• Bypass process will be closely monitored to ensure that high attention is being paid to the accuracy of output, while delivering against the required benchmarks

What do you need to succeed?

Must-have:

• 4-year degree from an accredited university or equivalent or High school diploma or equivalent AND
• 3+ years of securities, banking, technology and/or job specific industry experience
• 2+ years demonstrated and sound managerial experience leading and managing a team.

Nice-to-have:

• Knowledge of CPA, LYNX, SWIFT, RBC Express and BESS systems
• Strong organizational & decision-making skills
• Ideally candidate must be fluent with Microsoft office suite of products and be technologically independent.
• Shift Flexibility (Evenings, weekends, statutory holidays as required)
• In-depth knowledge of day to day Payments Processing procedures
• Teamwork and co-operation

What's in it for you?

We thrive on the challenge to be our best, progressive thinking to keep growing, and working together to deliver trusted advice to help our clients thrive and communities prosper. We care about each other, reaching our potential, making a difference to our communities, and achieving success that is mutual.

• A comprehensive Total Rewards Program including bonuses and flexible benefits, competitive compensation, commissions, and stock where applicable
• Leaders who support your development through coaching and managing opportunities
• Ability to make a difference and lasting impact
• Work in a dynamic, collaborative, progressive, and high-performing team
• Flexible work/life balance options
• Opportunities to do challenging work
• Opportunities to take on progressively greater accountabilities   
• Access to a variety of job opportunities across business and geographies WMUS

Job Skills

Active Learning, Adaptability, Customer Service, Decision Making, Detail-Oriented, Group Problem Solving, Operational Delivery, System Applications, Teamwork, Time Management

Additional Job Details

180 WELLINGTON ST W:TORONTOTorontoCanada37.5Full timeTECHNOLOGY AND OPERATIONSRegularSalaried2026-01-262026-01-30

Note: Applications will be accepted until 11:59 PM on the day prior to the application deadline date above

Inclusion and Equal Opportunity Employment

At RBC, we believe an inclusive workplace that has diverse perspectives is core to our continued growth as one of the largest and most successful banks in the world. Maintaining a workplace where our employees feel supported to perform at their best, effectively collaborate, drive innovation, and grow professionally helps to bring our Purpose to life and create value for our clients and communities. RBC strives to deliver this through policies and programs intended to foster a workplace based on respect, belonging and opportunity for all.

RBC is presently inviting candidates to apply for this existing vacancy. Applying to this posting allows you to express your interest in this current career opportunity at RBC. Qualified applicants may be contacted to review their resume in more detail.