Performs payment system functions such as item processing, ACH and wire transfer file uploads. Follows established procedures and exercises judgement when transactional exceptions arise to minimize potential losses to the Credit Union. Supports other Credit Union departments with inquiries or research regarding payments. Provides exceptional service to internal and external members in alignment with the Credit Union’s core values.

Job Duties:

• Able to perform all duties of the Payment Specialist 1.
• Process originations for posting to retail member accounts.
• Analyze and troubleshoot ACH and wire files processed through FedLine Advantage.
• Make recommendations for item processing exceptions, providing superior member service while limiting losses to the Credit Union.
• Monitor deposit or cleared item activity to identify patterns of risk, such as forgery or fraud. Recognize deviations indicative of fraud, account abuse, kiting or other errors and take appropriate action.
• Contact members to explain why business and personal exceptions and chargeback items, ACH and wire transactions happened as they did.
• Process online banking account to account ACH transfers through specialized software.
• Assist with multiple support functions of the Payment Systems Team, as needed.
• Treat member and Credit Union information with the utmost confidentiality and security, striving to always be in alignment with the Credit Union’s stated core purpose to become “Our Members’ Trusted Partner for Financial Success”.
• Promote the service and sales culture by maintaining basic knowledge of products and services and referring members to the appropriate person/department.
• Perform other duties as assigned by management.

Experience and Knowledge:

• Minimum one year’ experience in a payment systems role. Prior financial institution experience, including knowledge of financial services and transactional experience preferred.
• Prior experience handling detailed audit type tasks.
• Prior knowledge of related state and federal banking compliance regulations preferred.
• Thorough knowledge of Credit Union products and services, features, and benefits.
• Proficient in the use of personal computer applications (i.e. Microsoft Office products and the Internet) and in-house software; demonstrates ability to learn and utilize new software and troubleshoot existing software.

Education:

• High school diploma or GED equivalent.
• Accredited ACH Professional (AAP) certification preferred or demonstrated willingness and ability to obtain such certification.

Interpersonal Skills:

• Demonstrates excellent interpersonal skills.
• Handles difficult situations and persons in a positive and professional manner.
• Takes the initiative in responding courteously and efficiently to internal and external members through various delivery channels.
• Demonstrates daily the Credit Union’s commitment to maintaining a close and caring touch with its members.
• Able to interact effectively with third party vendors.
• Functions effectively within in a team environment.

Communication:

• Demonstrates excellent oral and written communication skills.
• Able to explain ACH and wire transaction concepts clearly and succinctly to others.

Other Skills:

• Possesses strong analytical skills. Gathers/analyzes information skillfully, deciphers patterns and makes appropriate recommendations within the scope of job duties.
• Demonstrates superior attention to detail.
• Exhibits high standards in accuracy, judgment and initiative.
• Understands situational implications and consequence of decisions.
• Demonstrates good organizational and time management skills; able to handle/prioritize multiple tasks effectively.
• Willing to work when the Federal Reserve is open (e.g. observed holidays the Credit Union is normally closed).