Payment Systems Specialist

POSITION SUMMARY

The Payment Systems Specialist serves members by performing essential functions related to ACH, Share Drafts, Credit Union’s cards program, and other back-office functions.

POSITION RESPONSIBILITIES

• Process ACH file exceptions and rejects and approving return file
• Review reports for returns, complete return adjustments to member accounts, deceased member notifications, and approving return file.
• Process iPay exceptions and rejects and cancel payments and subscriber accounts in the iPay system as necessary
• Generate and submit the external ACH files from Alkami to the Fed for retail and business members
• Create, maintain and delete preauthorized ACH transactions on the core.
• Balance ACH files and prepare entries when needed. 
• Reconcile General Ledger related to ACH, iPay, Credit Cards, Zelle and Fraud/Chargebacks.
• Process check exceptions and rejects and approving return file.
• Complete check adjustments to member accounts and cases to Fiserv.
• Monitor and charge off negative shares and loans daily.
• Order replacement credit card plastics as requested. 
• Track settlement for Credit and Debit card portfolios.
• Process credit card account maintenance requests, including ownership change, address change, closing accounts, limit charges, and promotional program maintenance.
• Process debit card adjustments, download files, research problems, and prepare daily recap of activity.
• Monitor instant issue card stock the credit union, replenish stock as necessary, and alert the Payment Systems Manager when stock is low for reorder.
• Research and resolve member/team member inquiries regarding credit/debit card transactions, account statements, disputes, and monetary adjustments.
• Adapt to additional responsibilities as assigned.

EDUCATION AND EXPERIENCE

• High school diploma or equivalent.
• Minimum of one year of financial institution experience.
• Customer service experience preferred.

KEY COMPETENCIES

• Knowledge of the ACH network and transaction workflow.
• Knowledge of the check network including FCN and transaction workflow. Knowledge of card network and transaction workflow.
• Computer skills include, but not limited to, Microsoft Office, Internet.
• Excellent data entry and typing skills.
• Excellent oral and written communication skills; effectively listen, take instruction, and disseminate information.
• Conscientious and performs accurate work with respect for regulations and standards.
• Ability to read, comprehend and analyze general business material, technical procedures, and government regulations.
• Ability to solve practical problems.
• Basic knowledge of accounting and reconciliation of accounts.
• Possess a working knowledge of all relevant Banking Rules and Regulations.

PHYSICAL DEMANDS AND WORK ENVIRONMENT

• Work Environment: Business office, the noise level in the work environment is usually quiet to moderate.
• Physical Requirements: Ability to sit or stand at a desk the majority of the workday; talk or hear; stand or walk occasionally. While performing the duties of this job, the team member is typically utilizing a computer, keyboard and phone. May occasionally reach with hands and arms; stoop, kneel, and crouch. The employee may occasionally lift and move up to 30 pounds.

WHAT DO WE OFFER?

BENEFITS

• Medical, dental and vision insurances
• Supplemental insurances
• Pre-tax and Roth 401(k) Safe Harbor options
• Flexible spending accounts
• Health Savings Account (HSA)
• Paid time off (PTO)
• Paid holidays, including birthday
• Bereavement and pet leave
• Basic Life/AD&D, short-term and long-term disability coverage at no cost
• Voluntary Life/AD&D
• Employee Assistance Program

The above information has been designed to indicate the general nature and level of work performed by persons within this job this job classification. It is not designed to contain or be interpreted as a comprehensive inventory of all the duties, responsibilities, and qualifications required of persons assigned to this job. Additional duties may be required to perform the job effectively.