Electronic Payments Specialist

Job Description

Job Description

Join Our Member Operations Team – Make a Difference Every Day!

This hybrid opportunity requires working from our Santa Ana, CA corporate office three days per week.

Must be available for shifts as early as 6AM and as late as 6PM. The team rotates early and late shifts approximately every two-weeks.

Orange County’s Federal Credit Union isn’t your average financial institution – we’re a people-first, purpose-driven organization that believes banking should feel personal, not transactional. We help our members thrive through smarter financial solutions, genuine relationships, and a deep commitment to our community.

With over 85 years of trust, $3+ billion in assets, and 145,000+ members, we’ve built a reputation for excellence—and we’re just getting started.

Our commitment to people, performance, and purpose has earned us the #1 spot in the Orange County Register’s 2025 and 2024 Best Credit Union list, and the voices of our employees have earned us the Peter Barron Stark Award for Workplace Satisfaction.

From digital innovation to local impact, we’re shaping what modern banking look like – one meaningful connection at a time. If you thrive in a collaborative environment and love solving complex challenges, this opportunity is for you!

As a Electronic Payment Specialist, you’ll play a vital role in supporting essential processes that keep our Credit Union running seamlessly. Your responsibilities will include:

• Managing electronic payment processes such as transaction posting, ATM deposits, wires, ACH operations, mobile and ATM deposits, Shared Branching adjustments, NSF items, returned deposited items, ONUS, foreign items, P2P, Zelle, and New Member Enrollment. All within the designated processing timelines, to ensure full compliance and efficient processing.
• Providing professional, efficient assistance to employees and members while contributing to special projects that drive innovation.
• Investigating and resolving account discrepancies , processing adjustments, and ensuring compliance with all regulatory requirements.
• Monitoring and troubleshooting P2P and Zelle transactions , fraud reviews, and dispute resolutions to protect our members.
• Collaborating across teams to ensure timely resolution of technical issues and deliver outstanding member experience.

What We’re Looking For

• Minimum education is high school or equivalent
• Minimum two (2) years of experience in banking back-office operations or mastery of all the essential functions of a Branch Banker (MSR III and above), Phone Banker (CCR III and above).
• Ability to learn new software and systems quickly and proficiently
• Ability to read and decipher technical briefs and regulatory updates
• Working knowledge of basic federal and state regulations that impact financial institutions and account/loan maintenance and activity.
• Ability to complete and certify in Forrester’s CX Methodologies.
• Strong problem-solving skills, attention to detail, and the ability to manage multiple priorities in a fast-paced environment.
• Solid understanding of electronic payment processing, ACH procedures, and compliance regulations (Regulation E, NACHA, BSA, US Patriot Act, and more).
• Excellent communication and interpersonal skills to foster positive relationships and ensure clear, concise information sharing.

What We Offer:

The targeted hourly rate range is $20.00 – 25.00. Final offer will be determined based on experience, education, training/certifications and specialized skills.

• Anthem HMO/PPO, Delta Dental, and Unum options – from day one!
• 401(k) with up to 6% employer matching dollar for dollar!
• Annual discretionary bonus & performance merit increases
• Educational grants up to $1,000
• 13 vacation days per year (increases with tenure)
• 7 sick days per year
• Paid holidays

Orange County's Federal Credit Union is an Equal Opportunity Employer. Pre-employment screenings, including background and credit checks, are required.