Payments Specialist II-Digital, (2nd Shift)

SCCU Career • Melbourne, FL

8d • Hybrid

About The Position

At Space Coast Credit Union (SCCU), members are at the heart of its work. The Payments Specialist II-Digital ensures accurate daily ACH and correspondent file posting and reconciliation, processes domestic and international wires up to $1 million with OFAC verification, manages return-item decisions, and supports payment disputes and channels including Zelle, RTP, and Bill Pay. This is a hybrid, second-shift position requiring two days per week in the office. The schedule is Monday through Friday, 10:00 a.m. to 7:00 p.m., and the position is eligible for a 10% shift differential. The starting salary is $20.18–$21.38 per hour, with eligibility for one SCCU annual bonus.

SCCU is a not-for-profit credit union that has served its community since 1951. It has more than 685,000 members, manages $9 billion in assets, and operates 67 branches across Florida’s east coast. SCCU emphasizes member-focused service, internal career growth, and a supportive, collaborative work environment.

Requirements

• High school diploma, GED, or equivalent experience.
• 1–3 years of related experience in a financial institution, with specific experience in ACH and/or wire transfers.

Nice To Haves

• Associate degree preferred.

Responsibilities

• Review daily ACH and wire reporting for correctness and accuracy.
• Serve as the first escalation point for complex phone queue inquiries.
• Review and balance daily files from correspondent banks and ACH files from the Federal Reserve Bank through a third-party ACH application, meeting service and compliance standards.
• Generate and process exception reports.
• Review and balance daily files from third-party servicers for emerging payment channels, including Zelle, RTP, and Bill Pay, within compliance standards.
• Review and analyze daily ACH returns files for transactions posted against member accounts; determine whether exception items should be paid, paid and charged, or not paid.
• Balance returns files and transmit them electronically within regulatory deadlines.
• Process SCCU payroll, benefit, and other inter-organizational transfers through digital payment rails.
• Receive, verify, and process incoming and outgoing domestic and international wires, including outgoing wires up to $1 million for members and departments.
• Research and respond to team-member inquiries and requests received through multiple channels within department service standards.
• Receive and process non-fraud payment disputes for ACH, wires, and emerging payment channels.
• Train other Payments Specialists when requested by management to support a consistent understanding of the job function.
• Review digital payment methods for fraudulent activity and report activity to Fraud Management.
• Maintain current knowledge of Regulation D, Regulation E, the Bank Secrecy Act, money laundering, and OFAC compliance.
• Complete additional training and certifications as required.

Benefits

• Medical, dental, and vision insurance.
• Employee Assistance Program.
• 401(k) match of 5%.
• HSA match.
• SCCU-paid short- and long-term disability insurance and life insurance.
• Tuition reimbursement after one year of service.
• 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Discounted rates on loans and credit cards, and no-fee SCCU accounts.
• One SCCU annual bonus opportunity.
• 10% second-shift differential pay.
• Flexible schedule options.
• On-the-job training and internal career-growth opportunities.

What This Job Offers

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