Payment Specialist II - Physical

At Space Coast Credit Union (SCCU) , our members are at the heart of everything we do. Since 1951, we’ve been committed to delivering financial services founded on integrity and a people-first philosophy.

As a Payments Specialist II-Physical at our Melbourne/Baytree Headquarters, you will responsible for ensuring that all member payments—including checks received through lockbox, mail, ATM, and mobile deposit—are processed accurately, timely, and in full compliance with procedural and regulatory standards. Operating under direct supervision, the position requires strong analytical and research skills to resolve issues and determine appropriate solutions. The role carries nominal budgetary impact and builds on the core duties of a Payment Processing Specialist I with expanded responsibility for additional payment channels.

Why Join SCCU?

• Member-Focused Mission : Be part of a not-for-profit organization that reinvests in its members.
• Hybrid and Flexible Schedule Options: This position is hybrid with 2 days per week required in office.
• Career Growth : We prioritize internal promotions and offer on-the-job training.

Payment Specialist II-Physical Key Responsibilities:

• Receives and processes all ATM deposits daily. Verifies that all ATM deposits received are valid and balanced with accounting.
• Reviews and processes all Mobile deposits daily. Verifies that all Mobile deposits received are valid and balanced with accounting
• Processes ATM and Mobile Check deposit adjustments to member accounts.
• Process Credit Unions Check Inclearing files throughout the day
• Research and responds to member and team member inquiries/requests received through multiple channels for check deposits and loan payments
• Research and resolves outstanding transactions including requests from external financial institutions related to adjustments and/or source of receipts for member transactions.
• Reviews Breach of Warranties, Hold Harmless, Stop Payments and decisions processing within regulations.
• Provides Quality Control Reviews of Check channel GL reconcilements for potential risks and adherence to regulatory compliance.
• Assists in onboarding and training of new Team Members.
• Responsible for conducting OFAC reviews and determining the need for further review with BSA.
• Reviews of all checks for fraudulent activity and reports activity to Fraud Management
• Ensure compliance with credit union policies and procedures, Federal Reserve Operating Circular 3 and ATM network rules
• Remains knowledgeable and current in all aspects of Regulation CC, Regulation D, Regulation E, Bank Secrecy Act, Money Laundering and OFAC compliance. Additional training and certifications will be completed as required.

Payment Specialist II-Physical Requirements:

• High school diploma, GED or equivalent experience.
• 1 to 3 years prior experience with a financial institution required
• Experience in Item Processing, ATM or Mobile Deposit Processing preferred.

Payment Specialist II-Physical Compensation:

• Starting Salary: $20.18 - $21.38
• Bonus Opportunity: Eligible for ONE SCCU Annual Bonus.

Work Schedule:

• Monday - Friday: 9:00 am- 6:00 pm.
• Hybrid schedule option : This position is hybrid with two days per week required in office.

SCCU Benefits

• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

About SCCU

Since 1951, Space Coast Credit Union (SCCU) has proudly served our community, growing to over 685,000 members and managing $9 billion in assets. With 67 branches spanning Florida’s east coast, we are the third-largest credit union in the state. In 2025, we expanded into Orange County to better serve the growing East Orlando market.

As a not-for-profit financial institution, SCCU is dedicated to putting our members first. Unlike traditional banks, we return profits to our members through better rates, lower fees, and enhanced services. While we offer the same financial products—like checking, savings, and loans—our focus remains on empowering our members and supporting their financial well-being. With local decision-making and a commitment to exceptional service, we strive to make a meaningful difference in the lives of those we serve.

At SCCU, we also prioritize our team members by fostering a supportive and collaborative environment that encourages career growth and development. As we continue to grow, we are seeking talented, member-focused professionals to join our team and help deliver innovative financial solutions and outstanding service.

I UNDERSTAND this application a legal document for purposes of your employment. Upon acceptance of an offer with SCCU, I UNDERSTAND that I will be required to complete background, employment verifications, and drug screening. I UNDERSTAND further that any misstatements or omissions in this application and pre-employment process can be considered falsification and will result in a decision not to hire me, or to discharge me if discovered after I am hired. I UNDERSTAND that the information requested regarding date of birth, race and sex is for the sole purpose of gathering the above information accurately, and will not be used to discriminate against me in violation of any law. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hired

SCCU is a drug-free workplace. I understand that as a condition of my employment, I will be required to submit to any testing for the presence of drugs, and to submit to any procedure to assess my qualifications for employment. If hired, I ALSO AGREE that if I am hired, my employment is for no definite time and may be terminated at any time without prior notice.

Equal Opportunity Employer


This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.