PAYMENTS SPECIALIST

MOCSE FEDERAL CREDIT UNION•Modesto, CA

2d•Onsite

About The Position

The Payments Specialist ensures accurate, timely, and compliant processing of all payment functions across ACH, checks, cards, wire transfers, and digital payment channels. This role serves as a subject matter expert, supporting members, vendors, and internal teams with research, resolution, and reporting for payment-related activities. Researching and resolving outages, discrepancies, and digital payment system errors. Keep records and reports accurate and current. Ensure that work is completed in accordance with established policies and procedures.

Requirements

High school graduate or equivalent.
Knowledge of payment settlement systems including ACH, checks, EFT, card payments, and person-to-person payments.
Understanding of payment compliance and regulations
Six months to 2 years of similar or related experience preferred.
Previous Credit Union or financial institution experience is very helpful
Strong attention to detail and accuracy in high-volume, deadline-driven environments
Solid math and data analysis skills; intermediate Excel proficiency preferred
Effective written and verbal communication with members, staff, and vendors
Organized, self-directed, and able to prioritize multiple tasks with minimal supervision
Proficient in Microsoft Office suite
Ability to apply common sense understanding to carry out detailed but uninvolved instructions and to deal with problems involving a few variables.
Ability to perform basic math skills and use decimals to compute ratios and percents, and draw and interpret graphs.
Ability to use a passive vocabulary of 5-6,000 words; to read at a slow rate; define unfamiliar words in dictionaries for meaning, spelling, and pronunciation.
Ability to write complex sentences, use proper punctuation, and use adjectives and adverbs.
Ability to communicate in complex sentences; using normal word order with present and past tenses; using good vocabulary.

Nice To Haves

Intermediate Excel proficiency preferred

Responsibilities

Process and reconcile daily payment functions including ACH originations, returns, and exception handling; check deposit settlement and inclearing; wire transfers; Zelle (P2P); remote deposit capture; and card network settlement for debit and credit
Manage card-related programs including loan payment solution software, card support, reward program oversight, and settlement billing and reporting
Ensure records, reports, and accounts are accurate, current, and properly balanced
Research and resolve payment discrepancies, system errors, and outages in a timely manner
Investigate and resolve member payment disputes, fraud claims, and transaction errors
Respond to member and branch inquiries by phone and other channels; escalate appropriately when needed
Prepare monthly reports for management and service providers covering complaint volumes and transaction activity
Review and document compliance with marketing and operational requirements from payment service providers
Stay current on payment regulations, compliance changes, and legal requirements affecting payments
Supports all Mocse with payment-related questions, research, and problem-solving
Train on payment products, processes, and updates as they occur
Keep management informed of area activities and emerging issues
Participate in department and organizational meetings as required
Support the team with universal cross-training across all payment functions, serve as a backup resource for any payment area
Complete all required training, and pursue and maintain industry certifications/accreditations, engage with industry organizations through webinars, conferences, and regulatory updates to stay current on evolving payment rails, trends, and technologies
Complete special projects and other duties as assigned