VP Money Movement and Payments

11d68cf5-f98a-4afe-ba33-d088c40e2f11•Santa Ana, CA

6d•$161,000 - $215,000•Hybrid

About The Position

The Vice President of Money Movement and Payments is responsible for the strategic direction, operational performance, member experience, and risk management of Orange County’s Federal Credit Union’s payment ecosystem and member operations. The role oversees money movement services, card programs, and centralized member servicing operations to provide a seamless, secure, compliant, and member-centric experience across channels. The Vice President owns enterprise payment strategy and execution while leading Member Operations and Card Services teams. The role partners with Technology, Digital Banking, Fraud, Compliance, Retail, Finance, and Business Development to deliver payment solutions and operational excellence. It develops and executes the strategy for payments, money movement, member operations, and card services; oversees payment channels and back-office operations; manages budgets, vendors, risk, and regulatory compliance; and leads modernization and organizational change initiatives. This position is hybrid-eligible, with three pre-assigned on-site days each week. The employee must reside in California and live within a 50-mile commute of the headquarters in Santa Ana. Compensation is anticipated to be $161,000–$215,000 annually, with final offers based on qualifications, experience, and internal equity.

Requirements

Bachelor’s degree in Business Administration, Finance, Accounting, Information Systems, or a related field.
At least 10 years of progressive leadership experience in financial services operations, payments, card services, or banking operations.
At least 5 years of leadership experience managing managers and multiple functional areas.
Deep understanding of payments, money movement, deposit operations, and card services.
Strong knowledge of ACH, cards, wires, RTP, FedNow, disputes, and digital payment channels.
Knowledge of regulatory requirements governing payment and deposit operations.
Understanding of stablecoins, digital assets, cryptocurrency, blockchain-based payment rails, and their potential applications in financial services.
Ability to assess strategic, operational, compliance, and risk implications of cryptocurrency and stablecoin payment solutions and partnerships.
Familiarity with evolving regulatory guidance on digital assets and blockchain-enabled payment ecosystems.
Proven ability to lead large-scale operational and technology initiatives.
Exceptional communication and stakeholder-management skills, with the ability to influence decisions across business and technology teams.
Knowledge of credit union rules, regulations, and policies.
Effective verbal and written communication skills and an excellent telephone manner.
Personal computer skills and intermediate proficiency with Microsoft programs.
Ability to perform mathematical calculations accurately and create and maintain accurate, reliable records.
Good memory and knowledge-retention skills, with the ability to multitask and prioritize projects and duties effectively.
Excellent follow-through and member relations skills, and sound business judgment.
Ability to interact positively and professionally with others.
Goal-oriented approach and desire to work in a fast-paced, results-driven environment.
Ability to work independently and be self-directed, as well as work with a team to accomplish goals.
California residency and residence within a 50-mile commute of the headquarters in Santa Ana.
Successful completion of pre-employment screenings, including background and credit checks.

Nice To Haves

Master’s degree or MBA.
Experience leading payment operations, deposit operations, and card programs within a credit union or financial institution.

Responsibilities

Develop and execute the strategic vision and roadmap for payments, money movement, member operations, and card services.
Provide executive leadership and oversight, including setting goals and performance expectations and conducting succession planning.
Direct payment channels and money movement services, including ACH, wire transfers, debit and credit cards, Zelle, RTP, FedNow, digital wallets, bill pay, and emerging payment solutions.
Oversee deposit operations, account maintenance, exception processing, IRA administration, and back-office operational support.
Improve operations through process improvement, automation, workflow optimization, and service delivery enhancements.
Establish, monitor, and report productivity metrics, quality measures, and member experience outcomes.
Partner with Fraud, Compliance, Risk, and Information Security to mitigate operational, payment, and fraud risks and maintain a strong control environment.
Ensure compliance with applicable regulations and network rules, including NACHA, Regulation E, Regulation CC, BSA/AML, OFAC, card network requirements, and emerging digital asset regulations.
Lead vendor selection, contract negotiations, service-level management, and relationships with payment processors, fintech partners, and card service providers.
Evaluate, recommend, and implement payment technologies and money movement solutions to improve member experience and organizational efficiency.
Assess opportunities and risks related to stablecoins, digital assets, cryptocurrency, and blockchain-enabled payment solutions.
Partner with Technology and Digital Banking on payment integrations, system enhancements, and digital channel capabilities.
Develop and manage departmental operating and capital budgets and control expenses prudently.
Support enterprise strategic initiatives and represent the credit union in industry forums, payment networks, and vendor partnerships.
Provide executive leadership with regular reporting and recommendations on payment trends, operational performance, fraud exposure, and strategic opportunities.
Lead change management related to payment modernization and operational transformation.
Foster accountability, innovation, collaboration, and member service excellence.
Manage departmental budgets and expenses effectively.
Practice the credit union’s “Put People First” service philosophy and promote its products and services when opportunities arise.
Support the credit union’s strategic plan, mission, vision, values, policies, service standards, safety standards, procedures, and regulatory compliance.
Complete assigned training; maintain regular and predictable attendance; follow safety, security, housekeeping, and equipment-use guidelines.
Undertake continuous development of functional and leadership skills, including strategic thinking, execution, talent leadership, financial acumen, emotional intelligence, and inspiring commitment.
Perform other duties as assigned, including possible disaster recovery team responsibilities.