Patricia Clifton

I am a high-accuracy Payments and Operations Specialist with 13 years of experience in technical banking and federally regulated sectors. My career has been defined by a nuclear-grade attention to detail, a trait I have honed while managing complex data streams in NRC-regulated security operations and overseeing full-cycle ACH lifecycles for multi-million dollar banking portfolios. What makes me unique is my ability to thrive at the intersection of rigid regulatory compliance and technical problem-solving. While many in the industry focus on high-volume retail, I specialize in the plumbing of banking—NACHA 2026 standards, RDFI/ODFI operations, and the investigative work required for payment integrity and fraud mitigation. I have a proven track record of identifying anomalies before they become institutional losses and have successfully improved reconciliation workflows to reduce processing times by 25%.