Payment Operation Associate

Aston Carter•City of Albany, NY

1d•$17 - $21•Onsite

About The Position

The Payment Operations Associate provides day-to-day operational support for payment processing activities, ensuring accuracy, compliance, and timely resolution of transactions. This role supports both members and internal teams by processing checks, ACH, wires, and deposit activity while adhering to regulatory, departmental, and credit union policies. The ideal candidate is detail-oriented, reliable, and comfortable working in a fast-paced, onsite operations environment.

Requirements

Proficiency in Microsoft Excel
Experience with data entry, operational processing, or administrative support
Strong attention to detail and ability to manage high-volume, transaction-based work
General understanding of financial operations, reconciliations, or accounting concepts
Strong customer service and communication skills
Ability to multitask, prioritize work, and meet daily deadlines in a fast-paced environment
High School Diploma or GED required

Nice To Haves

1+ year of experience in accounting, banking, financial services, or operations preferred
Experience with general ledger reconciliation or exception resolution is a plus
Prior experience in a back-office or payments operations environment is advantageous

Responsibilities

Review and research Share Draft posting exceptions and chargeback items, making pay/no-pay and return/redeposit decisions in accordance with departmental guidelines
Create, balance, and transmit daily Share Draft and Chargeback files to the Federal Reserve Bank while meeting security and regulatory timeframes
Process Share Draft disputes and fraud claims in compliance with check-processing rules and internal procedures
Perform daily proof and reconciliation for Share Draft and Chargeback activity, maintaining documentation for outstanding items
Research clearing inquiries and perform account adjustments related to checks and deposits as needed
Review remote deposit capture and ATM deposits, making accept/reject decisions per established guidelines
Process bank-by-mail transactions, including scanning and repairing checks through Check 21/VIP forward collection systems
Sort and date-stamp department mail according to rotation schedules
Process collection items, including Canadian and foreign checks, stop payments, and check protests
Review assigned service requests daily and resolve them within established service-level timeframes
Maintain a high level of accuracy while protecting member information and confidentiality
Compile daily and monthly operational statistics and reporting according to deadlines
Identify and report any procedural or compliance issues to management promptly
Partner with Accounting and other Operations teams to resolve exceptions and reconcile discrepancies
Stay current on system updates, regulatory requirements, and industry best practices