Payment Systems Specialist

General Summary Serves as a Payment Systems Specialist in the Credit Union administrative setting. The primary responsibility is to provide excellent service by demonstrating the principals of SouthPoint Financial Credit Union and adhering to the vision: “Empowering People to Enhance Lives”. Our Purpose is our Passion. We Champion Fearless Grit. It’s not about me, it’s about we. Essential Functions Process & balance ACH, ATM, Mobile Deposit, share draft transactions, and Remote Deposit items in accordance with established policies and procedures. Use applicable payment platforms and the core banking system to research exceptions, reconcile daily & monthly correspondent general ledger accounts, and document adjustments. Process items with sufficient funds and prepare remaining items for return as required by established procedures. Responsible for the timely ordering of Debit and/or Credit cards for members. Ensure accuracy in photos, PIN’s, accounts associated with these cards. Responsible for debit card inquiries, chargeback processing & approving/changing daily limits. Process or assist in processing credit card requests, such as new card orders/reorders, payments, inquiries, balance transfers, etc. Utilize the credit card processor portal to generate reports, research transactions, and support timely resolution of member and internal requests. Ordering cash for ATM, and Vault along with balancing corresponding general ledgers. Review and analyze daily, system-generated exception lists/alerts; research variances, perform corrections as needed, and document outcomes per procedure. Perform daily balancing of Credit Union’s cash and checking accounts. Reconcile monthly correspondent general ledger accounts. Process incoming & outgoing wire transfers on the Credit Union’s Wire Transfer system per request & documentation from our members along with balancing corresponding general ledgers. Serve as liaison between members and the Credit Union on initiating & resolving electronic funds transfer services. Process Foreign Currency. Track currency and balance the associated general ledger. Update electronic services flags and reporting to ensure accounts are reporting correctly. Assist with dual control procedures such as wire transfers and ACH transactions as needed. Responsible for investigating, processing, and documenting instances of fraud using established monitoring tools, processor portals, and internal case documentation standards. Perform outreach to members with possible fraudulent transactions. Assist in maintaining the financial, statistical, and accounting records of the Credit Union. Maintain files, records, and reports in accordance with guiding procedures and regulations. Review file maintenance reports for required authorizations and accuracy. Assist in developing and modifying policies and procedures which improve efficiency and effectiveness of back-office operations. Reconcile monthly outstanding checks and track outstanding CU & A/P checks and encourage timely processing. Obtain knowledge to ensure compliance with rules and regulations within all back-office operations. Prepare recurring and special reports as directed by management. Performs other duties as assigned. Additional Functions Attend meetings, conferences, seminars, and training courses. Abide by all Bank Secrecy Act responsibilities for this job role. Skills And Competencies Professional, well-developed interpersonal skills essential for serving members and projecting a positive image as a representative of the Credit Union. Highly organized, self-motivated, and self-managed, including setting and working to obtain professional and personal goals. Excellent analytical and decision-making skills, attention to detail, accuracy, and thoroughness. Able to work under pressure, to process multiple tasks concurrently with a high degree of accuracy, and able to interact and maintain a positive attitude under challenging circumstances. Act as a team player with maturity, confidentiality, and adaptability, including willing to adapt to changing job requirements. Technology & Systems Used Core banking system (account maintenance, transaction research, GL interfaces) ACH origination/processing platform and return/NOC workflows Card processing platforms (debit/credit), card ordering systems, and dispute/chargeback tools Wire transfer system and OFAC/sanctions screening tools (as applicable) Remote deposit capture and mobile deposit review tools (image review, holds, adjustments) Fraud monitoring/alert platforms and case management documentation General ledger/reconciliation tools and reporting dashboards Microsoft 365 (Excel for reconciliations and reporting; Outlook/Teams for communication) Document imaging/electronic file storage and retention systems Service ticketing/work queue tools (e.g., for exceptions, research, and member issues) Job Specifications High school diploma or GED required. Associate Degree in Accounting preferred. Requires thorough knowledge of Credit Union systems, policies, and accounting operations. Requires intermediate mathematical skills (calculations and concepts involving decimals, percentages, fractions, etc.). Prefer two years of progressive work experience in a financial institution operations or accounting position or related area. Intermediate digital/automated systems skills required, including proficiency navigating a core banking system and payment platforms, using Excel for reconciliations and reporting, and maintaining accurate electronic documentation. Working Conditions Works in a typical administrative setting with climate control and appropriate lighting. Physical Requirements Never, Occasionally, Frequently (time ranges) 25‑2.5 hrs daily 2.5‑5.5 hrs daily 5.5‑8 hrs daily Sit, Walk, Stand, Drive Lift/Carry: 0‑10 lbs, 10‑20 lbs, 20‑50 lbs, 50‑100 lbs, >100 lbs Reach Above Bend/Stoop Use Hands for Pushing/Pulling Fine Manipulation Stress Level: Low, Moderate, High, Very High Benefits Temporary Paid Time Off Disclaimer The above information on this description has been designed to indicate the general nature and level of work performed by employees in this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job. #J-18808-Ljbffr