Payments Specialist I

This is a full-time position working 40 hours a week, Monday-Friday 8:00am - 5:00pm and Saturdays.

POSITION SUMMARY: 

The Payments Specialist supports the day-to-day processing of the credit union’s payment operations. This entry-level position assists with routine tasks related to ACH transactions, wire transfers, card disputes, and other payment services. The role requires attention to detail, basic knowledge of electronic payments, and a strong focus on member service. This position works under close supervision and follows established procedures and guidelines. 

 

ESSENTIAL FUNCTIONS: 

• Assist in processing incoming and outgoing ACH and draft transactions, including returns and stop payments. 

• Help with the review and entry of domestic and international wire transfers under the direction of senior staff. 

• Support the handling of basic card and ACH dispute cases, including data entry and member communication. 

• Perform routine reconciliations and help verify transaction accuracy. 

• Provide support for debit, credit, and ATM card processing activities. 

• Monitor and report suspicious or unusual transaction activity to the appropriate team members. 

• Assist with gathering documentation for audits and other internal reviews. 

• Stay informed of basic payment regulations and guidelines through training and team meetings. 

• Collaborate with internal departments to help resolve member payment issues. 

• Help maintain updated records and reports for payments and disputes. 

• Respond to routine member inquiries related to payments and card activity in a timely and professional manner. 

• Ensure the confidentiality and security of sensitive payment data. 

• Support Shared Branching transactions and basic dispute cases. 

• Other duties as assigned 

QUALIFICATIONS 

 

Education/Certification:

• Required: High school diploma or equivalent. 

• Preferred: Associate or bachelor’s degree in business administration, Finance, Accounting, or related field. 

 

Preferred Knowledge:

• Some understanding of payment systems including ACH, wire transfers,, and card networks. 

• Familiarity with financial institution operations, compliance requirements, and risk mitigation practices. 

• Understanding of core banking systems and payment processing software. 

 

 

HARD/TECHNICAL Skills/Abilities: 

• Proficiency in core banking systems and digital payment platforms (e.g., Symitar, Fiserv, Jack Henry, etc.). 

• Strong Microsoft Office skills (Excel, Word, Outlook). 

• Ability to analyze transaction data, identify discrepancies, and resolve complex payment issues. 

• Accurate data entry and reconciliation skills. 

• Ability to navigate regulatory databases and OFAC screening tools. 

• Minimum 0-1 years of experience in payment operations or electronic banking, preferably in a credit union or banking environment. 

• Proven track record of working with members or customers in a financial services environment. 

 

WORKING CONDITIONS 

• Standard office conditions 

• Low to moderate noise 

• Limited lifting up to 15 lbs. 

 

 

This description has been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Essential functions, requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

 

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization. 

 
The Credit Union believes that each employee makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities. Therefore, this job description is designed to outline primary duties, qualifications, and job scope, but not limit the incumbent. It is our expectation that each employee will offer his/her services wherever and whenever necessary to ensure the success of our endeavors.

 

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.