Digital Payments Specialist II, (2nd Shift)

Space Coast Credit Union (SCCU) is a member-focused financial institution committed to delivering quality services since 1951. The Digital Payments Specialist II will ensure accurate ACH and wire processing while managing payment disputes and compliance with regulations.

Responsibilities

• Reviews ACH and Wire daily reporting for correctness and accuracy
• Serves as first escalation point for complex phone queue inquiries
• Reviews and balances daily files downloaded from the Correspondent Banks and the ACH files from Federal Reserve Bank through the third-party ACH application within required service and compliance standards. Generates and processes exception reports
• Reviews and balances daily files downloaded from Third-Party Servicers for all emerging payment channels to include Zelle, RTP, Bill Pay service within compliance standards. Generates and processes exception reports
• Reviews and analyzes the daily returns file for ACH transactions posted against member accounts. Determines pay, pay and charge or no-pay status of exception items. Balance the returns file and transmit the returns file electronically within the regulatory deadlines
• Processes SCCU payroll, benefit and other inter-organizational transfers via digital payment rails
• Receives, verifies, and processes incoming and outgoing Domestic and International wires, outgoing wires up to $1 Million for members and departments through Wire system
• Research and responds to team-member inquiries/requests received through multiple channels within department service standards
• Receives and Processes Payments Disputes (non-fraud) for ACH, Wires, and Emerging Payment channels
• Trains other Payments Specialists, as requested by management, to ensure consistent and uniform understanding of job function
• Reviews digital payment methods for fraudulent activity and reports activity to Fraud Management
• Remains knowledgeable and current in all aspects of Regulation D, Regulation E, Bank Secrecy Act, Money Laundering and OFAC compliance. Additional training and certifications will be completed as required

Skills

• High school diploma, GED or equivalent experience
• 1-3 years of related experience in a financial institution with specific experience in ACH and/or Wire Transfers
• Associates Degree preferred

Benefits

• Medical, dental, and vision insurance, plus an Employee Assistance Program.
• 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Tuition reimbursement after one year of service.
• 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Lower rates on loans, credit cards, and no fee SCCU accounts!

Company Overview