E-Payments Analyst

Credit Union of Texas•Allen, TX

About The Position

Under moderate supervision, the E-Payments Analyst is responsible for performing daily processing and support tasks within the E-Payments department. This role requires familiarity with ACH, Wire Transfer, and Items Processing, along with the ability to thrive in a fast-paced, team-oriented, and production-driven environment. The ideal candidate has prior operations experience in payments processing, and a strong willingness to learn and adapt. A positive, can-do attitude is essential for success in this role. We are seeking a detail-oriented and service-driven professional to join our team as an E-Payments Analyst. The ideal candidate will have a strong focus on accuracy, efficiency, and customer service, with prior experience in electronic payments and financial operations preferred.

Requirements

Previous experience in ACH, wire, or check processing is a plus.
Moderate computer and technology proficiency.
Excellent customer service skills and a genuine desire to help others.
Strong multitasking skills and attention to detail.
Good judgment and discretion when handling confidential information.
High School diploma and/or equivalent experience.
Minimum 1-2 years or more of similar or related experience.

Responsibilities

Perform daily processing tasks within the E-Payments department, meeting all internal deadlines. Responsibilities rotate across various processing channels including: ACH, Wire Transfers, Check Processing, Remote Deposit Capture (RDC), Zelle, and Payroll Deduction.
Complete all assigned tasks promptly while adhering to service level goals and compliance standards.
Provide outstanding service to both internal team members and external members. Respond to phone calls and emails related to E-Payments inquiries with professionalism, empathy, and accuracy.
Enter direct payments (ACH external or internal transfers) in a timely manner for member loan and lease payments. Offer support and guidance to members and staff regarding these transactions, which may require detailed research.
Assist members and staff with questions or issues related to payments initiated through Online Banking or Mobile Services. Research and resolve issues as necessary to ensure member satisfaction.
Process returned items promptly to ensure accurate reversal of payments or deposits. This includes reversing loan payments, debiting member accounts for returned electronic debits, and handling unpaid check deposits.
Ensure daily general ledger entries are completed accurately according to established procedures. Review and balance all settlement reports.
Support E-Payments management in balancing ACH files and identifying outages or discrepancies.
Process ACH transactions, wire transfers, and check payments in a timely and accurate manner.
Ensure compliance with internal policies and regulatory requirements related to electronic payments.
Monitor transaction queues and address exceptions or errors promptly.
Deliver excellent customer service while assisting internal and external members.
Communicate clearly and concisely in both written and verbal formats.
Handle confidential and sensitive financial information with discretion.
Escalate issues to the ACH/Wires & E-Payments Management or Supervisor when appropriate.
Work effectively under pressure and remain focused through frequent interruptions.
Defuse tense situations and communicate professionally with individuals of varying personalities.
Collaborate with team members to ensure smooth daily operations.
Maintain a positive, proactive attitude in a fast-paced environment.