Deposit and Payment Processing Specialist

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits? Our “people helping people” philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference. While we’re proud of our history, we’re even more excited about our future. With business and technology transformation on the horizon, there’s never been a better time to be part of BECU. You bring more than your expertise to your role, and that matters here. Your story, perspectives, and lived experiences help shape belonging at BECU and deepen how we connect with and support our employees, our members, and our communities. PAY RANGE The Target Pay Range for this position is $26.35-$32.12 hourly. The full Pay Range is $21.65-$38.03 hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. BENEFITS – because people helping people starts with supporting you 401(k) Company Match (up to 3%) 4% annual contribution to your 401(k) by BECU Medical, Dental and Vision (family contributions as well) PTO Program + Exchange Program Tuition Reimbursement Program BECU Cares volunteer time off + donation match IMPACT YOU’LL MAKE: Step into a role where your attention to detail and problem-solving skills directly support the financial well-being of our members. As a Deposit and Payment Processing Specialist, you play a key role in ensuring the smooth, accurate, and compliant movement of funds across multiple payment channels. From wires and ACH transactions to check processing and settlements, your work keeps critical systems running seamlessly. You’ll be at the heart of daily operations—balancing accounts, resolving discrepancies, and ensuring every transaction is handled with precision. Your expertise helps maintain trust, accuracy, and efficiency, while your curiosity and commitment to learning ensure you stay ahead of evolving payment systems and regulations. This is your opportunity to make a meaningful impact in a fast-paced, detail-driven environment where your contributions truly matter. Please Note: This role will require flexibility to rotate schedules throughout the year including a closing shift until 8:00 PM. This role while onsite will have at times a hybrid schedule based on business needs. WHAT YOU’LL DO: Ensure Accurate Processing: You’ll process ACH transactions, wire transfers, checks, and deposits, making sure everything is completed accurately and within Federal Reserve and NACHA timelines. Manage Daily Settlements: You’ll balance and reconcile accounts, ensuring all transactions are correctly posted to general ledger (GL) and member accounts. Handle Wires with Precision: You’ll retrieve, monitor, and post incoming and outgoing wires daily, ensuring proper crediting and debiting of accounts. Resolve Discrepancies: You’ll investigate and resolve internal and external transaction issues, using your analytical skills to identify and correct discrepancies. Support Payment Operations: You’ll operate image scanners and process check and remittance documents across various workflows. Collaborate with Financial Institutions: You’ll maintain communication regarding cash letters, return letters, and transaction statuses to ensure seamless operations. Deliver Member Support: You’ll respond to member inquiries in a timely and professional manner, researching and resolving exception transactions or out-of-balance conditions. Maintain Compliance & Security: You’ll ensure all processes meet regulatory, compliance, and information protection requirements while maintaining organized and secure records. Apply Industry Knowledge: You’ll leverage your understanding of Federal Reserve, NACHA, and electronic funds transfer regulations to ensure compliance in all processes. Support Continuous Improvement: You’ll stay informed on policies, procedures, and industry regulations while contributing to operational efficiency. Provide Documentation & Approvals: You’ll prepare supporting documentation and obtain leadership approval for adjustment and charge-off items. Take on Additional Responsibilities: You’ll support team success by taking on other duties as needed. This isn’t just about ticking off tasks on a list. It's about making a significant, positive change in BECU’s journey, where your contributions are valued, and your growth is continually fostered. WHAT YOU’LL GAIN: Purpose-Driven Work: Play a vital role in ensuring accurate financial transactions that directly impact member trust and experience. Skill Expansion: Deepen your expertise in ACH, wire processing, reconciliation, and electronic funds transfer systems. Continuous Learning: Exposure to evolving regulations, payment technologies, and operational best practices. Career Growth Opportunities: Build a strong operational foundation that can open doors across financial services and payments. Collaborative Environment: Work alongside a supportive team that values communication, knowledge-sharing, and success. Problem-Solving Challenges: Engage in meaningful analytical work that sharpens your investigative and decision-making skills. Stability & Impact: Contribute to a reliable financial ecosystem where accuracy and trust are paramount. QUALIFICATIONS: Minimum Qualifications: High school diploma or equivalent. Minimum two years of experience in a financial institution with operational experience such as data entry, item processing, reconciliation, fraud identification or related experience required. Proficient verbal and written communication skills to effectively communicate in the English language. Full-time hours required, with additional hours as necessary. Desired Qualifications: Minimum one year of experience processing , check adjustments, preferred. Continuing education, including courses and seminars pertaining to ACH and check clearing processes and regulations preferred. Organizational skills. PC and 10 key skills with the ability to learn new software. Analytical, research and problem solving skills. Ability to perform multiple responsibilities with a high degree of accuracy. JOIN THE JOURNEY Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions don’t just fill a role, but fuel the growth and success of BECU? This is more than a job – it’s a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and let’s achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney EEO Statement: BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status. Job Alerts: If you would like to be kept informed of new potential opportunities, click here. You will be asked to create an account if you do not already have one. From our very beginning, BECU has been about people helping people. As a financial services cooperative, our purpose has and always will be the same: we work together to best serve our members and improve the financial well-being of our community. With 90 years and over one million members later, we're still rooted in our values, practices and mission - and even more passionate about our future. As one of the nation's leading credit unions, we're not driven by profit. We're owned by our members and their interests are at the core of everything we do. Now we're growing faster than ever before--but we'll never forget our roots. To continue doing right by our members, we believe we must first do right by our people. Here, you'll receive the resources and support you need to learn, grow and build a meaningful career. Because we know it's our people who make us special.