Payments Specialist II-Digital, (2nd Shift)

SCCU Career • Melbourne, FL

1d • $20 - $21 • Hybrid

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 Payments Specialist II-Digital (2nd shift) , you will ensure accurate daily ACH/correspondent file posting and reconciliation, processe domestic/international wires up to $1MM with OFAC verification, manage return-item decisions, and support payment disputes and channels including Zelle, RTP, and Bill Pay. 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. This position is 2nd shift and is eligible for shift differential pay.

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

• Associates Degree preferred.

Responsibilities

• Reviews ACH and Wire daily reporting for correctness and accuracy.
• Serves as first escalation point for complex phone queue inquiries.
• Reviews and balances daily files downloaded from the Correspondent Banks and the ACH files from Federal Reserve Bank through the third-party ACH application within required service and compliance standards.
• Generates and processes exception reports.
• Reviews and balances daily files downloaded from Third-Party Servicers for all emerging payment channels to include Zelle, RTP, Bill Pay service within compliance standards.
• Generates and processes exception reports.
• Reviews and analyzes the daily returns file for ACH transactions posted against member accounts.
• Determines pay, pay and charge or no-pay status of exception items.
• Balance the returns file and transmit the returns file electronically within the regulatory deadlines.
• Processes SCCU payroll, benefit and other inter-organizational transfers via digital payment rails.
• Receives, verifies, and processes incoming and outgoing Domestic and International wires, outgoing wires up to $1 Million for members and departments through Wire system.
• Research and responds to team-member inquiries/requests received through multiple channels within department service standards.
• Receives and Processes Payments Disputes (non-fraud) for ACH, Wires, and Emerging Payment channels.
• Trains other Payments Specialists, as requested by management, to ensure consistent and uniform understanding of job function.
• Reviews digital payment methods for fraudulent activity and reports activity to Fraud Management.
• Remains knowledgeable and current in all aspects of 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: Mid Level
• Education Level: High school or GED