Electronic Payments Specialist

Orange County's Credit Union; Santa Ana (CA); On-site; USD 42,000 - 52,000; Full time

Benefits offered by this job

Anthem HMO/PPO, Delta Dental, Unum

401(k) with up to 6% employer matching

Annual discretionary bonus & merit In/

Educational grants up to $1,000

13 vacation days per year

7 sick days per year

Paid holidays

Job summary

Orange County's Federal Credit Union in Santa Ana, CA is hiring an Electronic Payments Specialist to manage electronic payment processes, assist members and staff, and drive compliance with regulatory requirements. The role is hybrid, requiring in-office presence three days per week, with shifts starting as early as 7AM and ending as late as 6PM.

Prior banking back-office experience is preferred. The successful candidate will handle ACH, wires, P2P, Zelle, and related items, maintain processing

Qualifications

• Minimum two years of experience in banking back-office operations or equivalent.
• Knowledge of electronic payment processing, ACH procedures, and regulatory requirements.
• Ability to learn new software and systems quickly.
• Familiarity with regulatory frameworks (Regulation E, NACHA, BSA, US Patriot Act).
• Excellent communication and interpersonal skills.

Responsibilities

• Manage electronic payment processes including transaction posting, ATM deposits, wires, ACH operations, mobile deposits, and related items within processing timelines.
• Provide professional, efficient assistance to employees and members; contribute to special projects.
• Investigate and resolve account discrepancies and handle adjustments per regulatory requirements.
• Monitor and troubleshoot P2P and Zelle transactions, conduct fraud reviews and dispute resolutions.
• Collaborate across teams to ensure timely resolution of technical issues and maintain strong member experience.

Skills

Electronic payment processing

Regulatory compliance

Problem solving

Attention to detail

Strong communication

Education

High School diploma or equivalent

Tools

Forrester CX Methodologies

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Electronic Payments Specialist

Salary Range: $20.00 To $25.00 Hourly

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 7AM 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 to6% employer matching dollar for dollar!
• Annual discretionary bonus& performance merit increases
• Educational grantsup 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.