Hybrid Payments Specialist II (Digital - ACH & Wires)

SCCU Simple; Melbourne (FL); Hybrid; USD 55,000 - 75,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

401(k) match

HSA match

Life insurance

Disability insurance

Tuition reimbursement

PTO & holidays

Employee discounts

Job summary

Space Coast Credit Union (SCCU) is seeking a Payments Specialist II-Digital to ensure accurate daily ACH and wire postings, support Zelle, RTP, and Bill Pay, and handle payment disputes. You will review daily files, verify OFAC compliance, and monitor for fraudulent activity, while coordinating with teammates across departments.

This hybrid role offers two in-office days per week, a 9:00 a.m.–6:00 p.m. schedule, and benefits including health/dental/vision, 401(k) match, HSA, tuition

Qualifications

• 1-3 years of related experience in a financial institution with ACH and/or Wire Transfers.
• High school diploma or GED; Associate’s degree preferred.

Responsibilities

• Reviews ACH and Wire daily reports for correctness and accuracy.
• Balances daily files from correspondent banks and ACH files; generates exception reports.
• Balances daily files from third-party servicers for Zelle, RTP, Bill Pay; generates exception reports.
• Reviews daily ACH returns for posted items; determines pay status and transmits returns within deadlines.
• Processes payroll, inter-organizational transfers via digital payment rails.
• Receives and processes Domestic and International wires up to $1M.
• Responds to team inquiries via multiple channels per service standards.
• Processes payment disputes (non-fraud) for ACH, Wires, and channels.
• Trains other Payments Specialists to ensure consistent understanding of job function.
• Monitors digital payment methods for fraudulent activity and reports findings to Fraud Management.
• Maintains knowledge of Reg D, Reg E, BSA, AML and OFAC compliance; complete required training.

Skills

ACH processing

Wire transfers

OFAC compliance

Reconciliation

Fraud monitoring

Customer inquiries handling

Education

High school diploma or GED

Associate's degree preferred

Job description

Space Coast Credit Union (SCCU) is seeking a Payments Specialist II-Digital to ensure accurate daily ACH and wire postings, support Zelle, RTP, and Bill Pay, and handle payment disputes. You will review daily files, verify OFAC compliance, and monitor for fraudulent activity, while coordinating with teammates across departments.

This hybrid role offers two in-office days per week, a 9:00 a.m.–6:00 p.m. schedule, and benefits including health/dental/vision, 401(k) match, HSA, tuition