Check Payments Specialist

Visions FCU; Endwell, Northern (NY, KY); Hybrid; USD 28,000 - 30,000; Full time

Benefits offered by this job

Retirement benefits

Health benefits

PTO / VTO / WTO

Holidays

LSA stipend

Job summary

Visions Federal Credit Union in Endwell, NY seeks a Check Payments Specialist to ensure accurate processing, reconciliation and compliance across teller, ATM, RDC and OnUs channels. You will partner with branches, vendors and internal teams to maintain efficient check operations and excellent member service.

The role requires 2–3 years in financial services or payments, knowledge of Check 21, Regulation CC and UCC requirements, and experience with check processing and reconciliations.

Qualifications

• 2–3 years of financial services, payments, operations, or office administration experience.
• Experience with check processing, reconciliation, exception handling, or payment operations.
• National Check Professional (NCP) certification.
• Knowledge of Check 21 processing, Regulation CC, Uniform Commercial Code requirements, or related payment regulations.

Responsibilities

• Process and reconcile check transactions across teller, ATM, RDC, and OnUs processing.
• Utilize Check 21 systems to prepare, validate, and transmit image cash letters with deadlines.
• Research, investigate, and resolve check-related disputes, exceptions, or fraudulent activity.
• Ensure compliance with policies, Regulation CC, UCC, and Federal Reserve procedures.
• Provide guidance to branches on check processing procedures and policies.
• Support system enhancements and project work with internal teams and vendors.
• Assist with internal and external audit requests and risk management initiatives.
• Provide backup operational support and adapt to changing priorities.

Skills

Check processing

Regulation CC

UCC requirements

Dispute resolution

Vendor coordination

Tools

Check 21 systems

RDC processing

Job description

3301 Country Club Rd
Endwell, NY 13760, USA

WHO WE ARE
We're in the business of people helping people, and you can help us make an impact on our members’ lives and in your community. Whether it’s helping a member make a transaction, buy their first home, or improve their financial wellness one step at a time – you have an impact on their lives just by working here, no matter what your position may be.

Work with us – and be part of something bigger than banking.

In exchange for your time and talents, we offer generous benefits, including:

• Retirement benefits – pension plan, 401(k) with employer match
• Excellent health benefits – medical, dental, vision, and supplemental coverage
• Flexible Paid Time Off (PTO), Volunteer Time Off (VTO), and Wellness Time Off (WTO)
• 10+ paid holidays per year
• Lifestyle Spending Account (LSA) stipend for wellness, caregiving, or personal expenses such as student loan repayment and tuition reimbursement
• Employee recognition program
  ...and more!

At Visions, we do, and will continue to, treat all of our employees fairly and with complete respect, and we strive to celebrate the diversity of our employees.

ABOUT THE POSITION

Position Overview:As a Check Payments Specialist, you will serve as a subject matter expert for check processing operations and payment services across the credit union. You'll support the accurate processing, reconciliation, exception handling, and resolution of check-related transactions while ensuring compliance with regulations and internal policies. This role partners closely with branches, support departments, vendors, and external partners to maintain efficient operations and deliver exceptional service to members and employees.

Position Type:Full-Time

Compensation Range: $20.00/hr. - $22.00/hr. *Hiring rates may be dependent on a number of factors, including years of directly related work experience, education, geographic location or special skills*

Location: On-site at our headquarters in Endwell, NY.

What You’ll Do

• Process and reconcile check transactions across multiple channels, including teller, ATM, Remote Deposit Capture (RDC), and OnUs processing.
• Utilize Check 21 systems to prepare, validate, and transmit image cash letters while ensuring critical processing deadlines are met.
• Research, investigate, and resolve check-related disputes, exceptions, fraudulent activity, and member inquiries.
• Ensure compliance with credit union policies, Regulation CC, Uniform Commercial Code requirements, and Federal Reserve operating procedures.
• Provide guidance and support to branches and internal departments on check processing procedures, policies, and operational issues.
• Partner with internal teams, vendors, and external partners to support system enhancements, operational improvements, and check-related projects.
• Assist with internal and external audit requests and support risk management initiatives.
• Provide backup operational support and adapt to changing priorities, responsibilities, and business needs.

What Success Looks Like

• Check processing activities are completed accurately, efficiently, and within established deadlines.
• Member and operational issues are researched thoroughly and resolved in a timely manner.
• Compliance requirements and operational controls are consistently followed and maintained.
• Branches and support departments view you as a knowledgeable and reliable resource for check-related questions and concerns.
• Opportunities for process improvement are identified and implemented to strengthen operational effectiveness.
• Strong partnerships are maintained with internal teams, vendors, auditors, and external business partners.
• Operational disruptions and processing exceptions are minimized through proactive monitoring and problem solving.

WHAT WE'RE LOOKING FOR Minimum Qualifications

• Check processing activities are completed accurately, efficiently, and within established deadlines.
• Member and operational issues are researched thoroughly and resolved in a timely manner.
• Compliance requirements and operational controls are consistently followed and maintained.
• Branches and support departments view you as a knowledgeable and reliable resource for check-related questions and concerns.
• Opportunities for process improvement are identified and implemented to strengthen operational effectiveness.
• Strong partnerships are maintained with internal teams, vendors, auditors, and external business partners.
• Operational disruptions and processing exceptions are minimized through proactive monitoring and problem solving.

Preferred Qualifications:

• 2–3 years of financial services, payments, operations, or office administration experience.
• Experience with check processing, reconciliation, exception handling, or payment operations.
• National Check Professional (NCP) certification.
• Knowledge of Check 21 processing, Regulation CC, Uniform Commercial Code requirements, or related payment regulations.

At this time, Visions Federal Credit Union will not sponsor a new applicant for employment authorization or offer any immigration related support for this position.

MISSION AND VALUES

Our mission is to MAKE VISIONS MATTER.

• To our members, we will provide value and relevance.
• To our employees, we will be a premier organization and provide opportunities for career advancement.
• To our community, we will be a leader and provide a positive impact.

At Visions, we’re an organization with Integrity that builds Community, provides exceptional Service to all, and continually strives to earn your Trust.

We make Visions matter. You can, too. #ClaimYourSeat

If you have any questions, please contact the Talent Team directly at 800.242.2120, ext. 10501 or by emailing us at [e-mail] .

Qualifications

Skills

Behaviors

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Motivations

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Education

Experience

Licenses & Certifications

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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.