Payment Specialist I - Physical

Space Coast Credit Union

2d • $18 - $19 • Onsite

About The Position

At Space Coast Credit Union (SCCU), our members are at the heart of everything
we do. Since 1951, we’ve been committed to delivering financial services founded
on integrity and a people-first philosophy.

As a Payment Specialist I -Physical you will ensure that members checks and
lockbox/mail payments are processed accurately, in a timely manner, and comply
with procedural and regulatory standards. This role has a nominal budgetary
impact, operates under direct supervision, requiring sound analysis and research
skills to determine solutions.

Why Join SCCU?

Member-Focused Mission: Be part of a not-for-profit organization that
reinvests in its members.
Flexible Schedule Options
Career Growth: We prioritize internal promotions and offer on-the-job
training.

Requirements

• High school diploma, GED or equivalent required.
• 1 year of related experience in check or cash handling.

Nice To Haves

• Financial institution with specific experience in Item Processing preferred

Responsibilities

• Processes all incoming mail deposits and loan payments. Reviews all available account information and verifies the accuracy of each transaction to ensure proper account processing.
• Processes chargebacks in a timely manner to reduce Credit Union exposure to loss.
• Processes debits to members accounts for returned deposit items. Prepares and mails notification package to members.
• Processes deposit batches from SCCU HQ departments through branch capture and reconcile totals for each department’s daily deposit reports.
• Balances monetary instruments and daily work and “cash drawer” to ensure member account integrity.
• Assists with research requests such as proof of payment, copies of checks, and verification of payments.
• Responsible for conducting OFAC reviews and determining the need for further review with BSA.
• Reviews of physical checks for fraudulent activity and reports activity to Fraud Management.
• Ensures compliance with credit union policies and procedures, Federal Reserve Operating Circular 3.
• Remains knowledgeable and current in all aspects of Regulation CC, Regulation D, Regulation E, Bank Secrecy Act, Money Laundering and OFAC compliance. Additional training and certifications will be completed as required.

Benefits

• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED