Payment Systems Specialist 2

Sunward Federal Credit Union•Albuquerque, NM

About The Position

Performs payment system functions, including item processing and ACH and wire transfer file uploads. Follows established procedures and exercises judgment when transactional exceptions arise to minimize potential losses to the Credit Union. Supports other Credit Union departments with payment inquiries and research, and provides exceptional service to internal and external members in alignment with the Credit Union’s core values. The role processes originations for posting to retail member accounts; analyzes and troubleshoots ACH and wire files processed through FedLine Advantage; and recommends actions for item-processing exceptions while providing strong member service and limiting Credit Union losses. It monitors deposit and cleared-item activity for risk patterns such as forgery or fraud, recognizes deviations that may indicate fraud, account abuse, kiting, or other errors, and takes appropriate action. The specialist contacts members to explain business and personal exceptions, chargebacks, and ACH and wire transactions, and processes online-banking account-to-account ACH transfers using specialized software. The position also assists with other Payment Systems Team support functions, safeguards confidential member and Credit Union information, promotes products and services by referring members to the appropriate person or department, and performs other duties assigned by management. The successful candidate communicates clearly, works effectively with members, third-party vendors, and teammates, and applies analytical judgment, accuracy, initiative, and sound organization to payment-related work.

Requirements

Minimum one year of experience in a payment systems role.
Experience handling detailed audit-type tasks.
High school diploma or GED equivalent.
Proficient in personal computer applications, including Microsoft Office products and the Internet, and in-house software; able to learn new software and troubleshoot existing software.
Excellent interpersonal skills, including the ability to handle difficult situations and people positively and professionally.
Able to respond courteously and efficiently to internal and external members through various delivery channels.
Able to interact effectively with third-party vendors and function effectively in a team environment.
Excellent oral and written communication skills, including the ability to explain ACH and wire transaction concepts clearly and succinctly.
Strong analytical skills, including gathering and analyzing information, identifying patterns, and making appropriate recommendations within the scope of the role.
Superior attention to detail and high standards of accuracy, judgment, and initiative.
Understands situational implications and the consequences of decisions.
Good organizational and time-management skills, including the ability to prioritize multiple tasks effectively.
Willing to work when the Federal Reserve is open, including observed holidays when the Credit Union is normally closed.

Nice To Haves

Prior financial institution experience, including knowledge of financial services and transactional experience.
Prior knowledge of related state and federal banking compliance regulations.
Accredited ACH Professional (AAP) certification, or demonstrated willingness and ability to obtain it.

Responsibilities

Perform payment system functions, including item processing and ACH and wire transfer file uploads.
Perform all duties of a Payment Specialist 1.
Process originations for posting to retail member accounts.
Analyze and troubleshoot ACH and wire files processed through FedLine Advantage.
Recommend actions for item-processing exceptions while providing member service and limiting potential Credit Union losses.
Monitor deposit and cleared-item activity for risk patterns, including forgery and fraud.
Recognize activity indicative of fraud, account abuse, kiting, or other errors and take appropriate action.
Contact members to explain business and personal exceptions, chargeback items, and ACH and wire transactions.
Process online-banking account-to-account ACH transfers through specialized software.
Assist with Payment Systems Team support functions as needed.
Maintain the confidentiality and security of member and Credit Union information.
Maintain basic knowledge of products and services and refer members to the appropriate person or department.
Perform other duties assigned by management.
Be willing to work when the Federal Reserve is open, including observed holidays when the Credit Union is normally closed.