E-Payments Analyst

Credit Union of Texas•Allen, TX

4d•Onsite

About The Position

The E-Payments Analyst performs daily processing and support tasks across the E-Payments department at Credit Union of Texas, including ACH, wire transfers, check processing, Remote Deposit Capture (RDC), Zelle, and payroll deduction. Working under moderate supervision in a fast-paced, production-driven environment, the Analyst ensures timely, accurate, and compliant electronic payment processing while providing service to members and internal staff. The role uses CUTX-approved AI and analytics tools for exception research, document triage, and communications, with human review required for every member-impacting output. The position is performed on-site at the CUTX Corporate Office in a standard office environment. It includes extended periods seated at a workstation, repetitive typing and document handling, visual document review, and occasional standing, walking, stooping, kneeling, crouching, or lifting and moving up to 10 pounds. Reasonable accommodations will be provided consistent with the Americans with Disabilities Act and CUTX policy. The Analyst is accountable for applicable enterprise, AI-specific, and role-specific compliance obligations, including BSA/AML, OFAC, the USA PATRIOT Act, NACHA rules, Regulations E, CC, and J, UCC Article 4A, and CUTX payment policies. Employment with CUTX is at-will; this description is not an employment contract and may be modified as business needs require.

Requirements

High school diploma or equivalent.
One to two years of similar or related experience in payments operations, banking operations, or a closely related field.
Working knowledge of NACHA Operating Rules, Regulation E, Regulation CC, Regulation J, UCC Article 4A, BSA/AML, OFAC, and USA PATRIOT Act requirements as applied to electronic payments.
Moderate computer and technology proficiency, including Microsoft Office (Excel, Outlook, Word, and Teams), and ability to learn CUTX core, online banking, and payment processing platforms.
Strong customer service skills and a genuine desire to help others.
Strong multitasking skills, attention to detail, and documentation discipline in a high-volume, deadline-driven environment.
Strong written and verbal communication skills, including the ability to draft clear and accurate member-facing responses.
Good judgment and discretion when handling confidential financial information.
Ability to work effectively under pressure and remain focused through frequent interruptions.
Ability and willingness to apply human review to AI-assisted outputs and follow CUTX AI usage and compliance controls.
Ability to perform the stated essential physical activities, with reasonable accommodations as applicable.

Nice To Haves

Associate or bachelor's degree.
Previous experience in ACH, wire transfer, or check processing.
Prior credit union or community bank experience.
Prior experience using AI- or analytics-augmented operations tools.
Bilingual English/Spanish.

Responsibilities

Process daily transactions across ACH, wire transfers, check processing, RDC/ATM, Zelle, and payroll deduction within internal deadlines and service-level goals.
Cross-train with the Items department to learn the Items Processing Operator role.
Enter external or internal ACH direct payments for member loan and lease payments and provide guidance about those transactions.
Process returned items promptly, including reversing loan payments, debiting member accounts for returned electronic debits, and handling unpaid check deposits.
Monitor transaction queues, resolve exceptions or errors, and escalate issues to E-Payments management or a supervisor when appropriate.
Respond professionally and accurately to member and internal inquiries by phone and email; research and resolve payment issues related to Online Banking or Mobile Services.
Handle confidential and sensitive financial information with discretion and communicate professionally with people of varying personalities.
Complete daily general ledger entries accurately and balance settlement reports for assigned payment channels.
Support management with ACH file balancing and identification of outages or discrepancies.
Comply with applicable payment processing laws, regulations, rules, and policies; immediately escalate suspicious activity, potential fraud, and compliance concerns.
Maintain audit-ready documentation for transactions, exceptions, and member communications.
Collaborate with the team, maintain a proactive attitude amid frequent interruptions, and recommend process improvements based on processing patterns and member inquiries.
Participate in pilots of CUTX-approved AI tools, provide feedback, and adopt approved enhancements.
Review every AI-assisted exception finding, extracted document field, and drafted communication before action; stop and escalate reliance on output that appears inaccurate, biased, non-compliant, or outside documented scope.
Use only approved AI tools and do not enter member non-public personal information or confidential information into tools not approved for that data classification.
Complete required AI training within 30 days of hire and maintain currency through annual refreshers.
Do not use AI output as the sole basis for adverse member actions, use consumer AI to draft regulatory notices, or make BSA/AML, OFAC, or fraud determinations without documented human review and escalation.