Digital Payments Specialist II

Space Coast Credit Union

1d • $20 - $21 • Hybrid

About The Position

At Space Coast Credit Union (SCCU), our members are at the heart of everything
we do. Since 1951, we’ve been committed to delivering financial services founded
on integrity and a people-first philosophy.

As a Digital Payments Specialist II, you will ensure accurate daily
ACH/correspondent file posting and reconciliation, processe
domestic/international wires up to $1MM with OFAC verification, manage
return-item decisions, and support payment disputes and channels including
Zelle, RTP, and Bill Pay.

Why Join SCCU?

Member-Focused Mission: Be part of a not-for-profit organization that
reinvests in its members.
Flexible Schedule Options
Career Growth: We prioritize internal promotions and offer on-the-job
training.

Requirements

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

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.

Benefits

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

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED