Payment Operations Specialist

Blackhawk Community Credit Union•Janesville, WI

About The Position

The Payment Operations Specialist role provides responsible and consistent service to the credit union’s internal and external members. Effectively assists our member-facing team to deliver exceptional service to our members. This role supports the payment systems department by seeking opportunities to improve processes, reduce risk, and deliver value to members through electronic payment processing and digital banking. The role is responsible for ensuring programs run optimally and progress with technology and innovation. The responsibilities noted below are not to be considered an all-inclusive listing of duties. You may perform other duties assigned, cover absences, or balance the workload.

Requirements

Associate degree or an equivalent level of knowledge, skills, and abilities typically acquired through work experience.
Minimum 1 year of financial institution work experience.
Must be at least 18 years of age.
Required to obtain and maintain one or more certifications in areas of specialization (AAP, NCP, APRP, FPP)
General knowledge of understanding of payment operations
Ability to effectively multitask, prioritize, and adapt in a fast‑paced, changing environment while maintaining accuracy, confidentiality, and timeliness.
Strong understanding of financial transactions, including debits and credits, balancing, and general ledger concepts.
Demonstrated ability to collaborate across departments, actively participate in team initiatives, and cross‑train to support operational needs.
Ability to follow oral and written instructions and apply procedures consistently and accurately.
Consistently demonstrates teamwork, accountability, and professionalism in all interactions and responsibilities.
Strong interpersonal skills, positive attitude, and a genuine commitment to providing exceptional member service.
Ability to identify member needs and opportunities for financial improvement, communicate recommendations clearly, and provide appropriate support.
Effective verbal and written communication skills, with the ability to explain fraud‑related or digital banking issues clearly to members and internal teams.
Demonstrates sound judgment and critical thinking, particularly when evaluating potential fraud activity and member situations.
Strong attention to detail, analytical skills, and mathematical accuracy; proficiency with Microsoft Excel and other Microsoft Office applications
Maintains reliable attendance, dependability, and time management.
Projects a professional image while handling sensitive information with discretion and confidentiality.
Ability to meet pre‑employment and ongoing employment requirements, including background and drug screening, as applicable.

Responsibilities

Supports all aspects of ACH, Share Draft, Payroll, Bill Pay, Wire Transfers, Mobile/Remote Deposit, Business Payment Services, Digital Banking, and new products/services.
The Payment Operations Specialist job duties, include but are not limited to: 1. ACH exception processing, ACH daily balancing, ACH returns, DNE reports and returns, corporate and government reclamations, process internal ACH postings, external transfer ACH origination.
Perform manual postings for account changes and draft adjustments, processing of WSUPP and WSUD forms, ACH, P2P, M2M, and check stop payment requests.
Manage payroll and transfer forms, loan payment option forms, ATM activity, internal member request cases, closing of member accounts/charged off accounts.
Manage wire transfer agreements, initiate outgoing domestic and foreign wire transfers, and process incoming wire transfers.
Manage daily check inclearings, returned deposit checks, mobile deposit, remote deposit now and mobile remote deposit capture.
Process daily bill Pay exceptions.
Research and report transactions that fall outside of expectations and regular conduct.
Knowledge in digital banking products and services.
Assist in training and providing support to employees and members on products & services related to the payment operations and digital banking department.
Work on special assignments as directed by the payment systems manager, assistant manager or director.
Review payment operations activity daily for potential fraud activity and report those findings to the appropriate department(s).
Works with daily/weekly/monthly reconciliation of internal general ledger and checking accounts that relate to the payment systems department.
Continuously evaluate and research the requirements and efficiency of the tasks assigned to the role.
Maintains a familiarity and understanding of all Digital Banking, Payment Operations and Cash Management and adheres to all Compliance, Processes and Procedures according to laws and regulations, such as: Reg E, Reg J, Reg CC, UDAAP, Reg Z, 31 CFR 210, Green Book, NACHA Rules, OFAC, UCC 3, 4 & 4A, BSA/AML
Provides project support; assists with research, testing, installation and troubleshooting of new and existing products and services.
Work with IT and outside vendors to troubleshoot and resolve system errors.
Participates in ongoing education and required training sessions.
Performs other duties as requested by the manager, assistant manager or director of the area.
Follow processes and procedures established to ensure compliance with the Bank Secrecy Act (BSA). Complete required annual BSA training to ensure you understand your responsibilities that apply to BSA, including: 1. CIP (Customer Identification Program) 2. CDD (Customer Due Diligence) 3. Prohibited Account Types 4. SARs (Suspicious Activity Report) 5. OFAC (Office of Foreign Assets Control)