Electronic Payment Services Specialist Sr - El Segundo, CA

Kinecta Federal Credit Union•El Segundo, CA

10d

About The Position

Provides operational support for electronic payment and deposit services by processing, balancing, reconciling, and researching member transactions and exceptions across ACH, wires, card/ATM/ITM channels, remote deposit capture (RDC), Check 21 and check collection activity, lockbox, online/mobile banking, share draft/share branching, Zelle, RTP, and FedNow. Ensures transactions are completed accurately and timely in accordance with credit union policies, regulatory requirements, and established risk controls. NATURE AND SCOPE OF POSITION: This position works with a minimal amount of supervision and direction and is authorized to take reasonable actions necessary to carry out the assigned responsibilities of the position, provided that such action is consistent with cost-effective practices and is consistent with the policy and procedures of the Human Resources Department and Kinecta Federal Credit Union in general.

Requirements

Knowledge of Fedline, Direct Deposits, EPS and ACH rules and regulations regarding the processing of related member or business-related transactions, efficiently and accurately
Knowledge of Symitar or equivalent system necessary
Ability to resolve and apply appropriate policies and regulations to avoid loss exposure to the Credit Union and members
Ability to work quickly and independently with high volume transactions
Must have good working knowledge of Microsoft Office Applications (Excel, Word, and Outlook)
Working knowledge of accounting and reconciliation principles (GL structure, debits/credits, settlement/suspense accounts, balancing) with strong variance research and documentation skills.
Excellent written and verbal communication skills including knowledgeable with Ai tools
Hands-on operational experience across electronic payments and deposit channels, including:
ACH processing/settlement, returns/adjustments, Fed exceptions, and NACHA-related research
ATM/ITM balancing, same-day returns/adjustments, and Reg E support
Check 21, lockbox, foreign check collection, RDC, check deposit disputes, and reclamations/unauthorized share drafts
Domestic/international wires (including disputes), network settlement, and real-time payments (RTP/FedNow)
Digital/payment platforms and operations support (Home Banking, Share Branch/Share Drafts, Zelle, Vanco, SWBC new accounts), UAT testing, automation/tools (e.g., BOT, DataMotion), and cross-department support
High School graduate or equivalent work experience
Minimum of 2-5 years operational experience in one or more of the following: ACH, Home Banking, Reclamations, DNE, Zelle, RTP, FedNow, ATM/ITMs, RDC, Share Branching, Wire Transfers, and Check Collections within a financial institution.
Strong knowledge of policies, procedures, applicable laws, codes, regulations, and materials related to the operation and financial products. [Reg. CC, D, E, J, Z etc.]
Must have working knowledge of retail services and back-office operations within a financial intuition
Experience in systems, conversions and interdepartmental projects including Ai tools preferred.
One year of relevant professional-level work experience may be substituted for one year of required education.

Nice To Haves

Experience in systems, conversions and interdepartmental projects including Ai tools preferred.

Responsibilities

Process and post electronic payment transactions and related servicing for ACH (including returns/reclamations), direct deposits, Check 21/check collections, lockbox, RDC, share draft, share branching, online/mobile banking, Zelle, RTP, and FedNow in accordance with credit union procedures and applicable regulations (e.g., Reg CC, D, E J, Z).
Receive, review, and research member and internal inquiries; analyze exceptions and discrepancies, determine root cause, and provide clear resolution within established service levels.
Perform daily balancing and general ledger reconciliations for assigned payment and deposit processes; research and clear out-of-balance conditions and exception items.
Input and verify ACH files, entries, and returns using FedLine (or equivalent platform), ensuring accuracy of settlement details and timely completion of processing windows.
Input, verify, and service domestic wire transfers, including service messages, amendments, disputes, recalls, and trace requests within the wire platform.
Verify and process international wire transfers in TranZact (when required), following applicable sanctions and operational controls.
Process ATM/ITM adjustments, returns, and chargebacks; analyze network items and documentation to support accurate decisions and loss prevention.
Review and analyze ATM/ITM and mobile RDC items using credit union policies and regulatory guidelines; make disposition decisions and document actions taken.
Support dispute intake and investigation activities, including Reg E claims, by gathering information, tracking deadlines, and ensuring accurate case documentation.
Demonstrate working knowledge of NACHA file structure and formatting; read and interpret raw file data to support research, balancing, and issue resolution.
Maintain accurate operational logs and daily tracking statistics for assigned tasks; escalate trends, repeat exceptions, and potential risk issues to management.
Protect the confidentiality of credit union and member information; follow information security, record retention, and audit requirements.
Participate in procedure reviews and continuous improvement efforts; recommend updates to workflows, controls, and documentation, and assist with assigned projects.
Perform routine clerical and recordkeeping duties to organize, retain, and retrieve operational files and supporting documentation.
Performs other duties including special projects as assigned.