Payments Specialist II-Digital, (2nd Shift)

Space Coast Credit Union • Melbourne, FL

9d • $20 - $21 • Hybrid

About The Position

Space Coast Credit Union is seeking a Payments Specialist II-Digital to ensure accurate daily ACH and correspondent file posting and reconciliation, process domestic and international wires, manage ACH return-item decisions, and support payment disputes and digital payment channels such as Zelle, RTP, and Bill Pay. The role processes outgoing wires up to $1 million and includes OFAC verification and compliance responsibilities. This is a second-shift position eligible for a 10% shift differential, with a hybrid schedule requiring two days per week in the office. The stated schedule is Monday through Friday, 10:00 a.m. to 7:00 p.m.

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; generate and process exception reports within service and compliance standards.
• Review and balance daily files from third-party servicers for emerging payment channels, including Zelle, RTP, and Bill Pay; generate and process exception reports within compliance standards.
• Review and analyze daily ACH returns files, determine whether exception items should be paid, paid and charged, or not paid, balance the returns file, and transmit it 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 for members and departments, including outgoing wires up to $1 million.
• 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 as requested by management.
• Review digital payment methods for fraudulent activity and report activity to Fraud Management.
• Remain current on Regulation D, Regulation E, Bank Secrecy Act, money laundering, and OFAC compliance; complete additional training and certifications as required.

Benefits

• 10% second-shift differential pay.
• Eligible for one SCCU annual bonus.
• 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.
• Discounts on loans and credit cards, and no-fee SCCU accounts.
• 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