Payment and Fraud Specialist

HomeTown Credit Union; Owatonna (MN); On-site; USD 28,000 - 33,000; Full time

Benefits offered by this job

Medical

Dental

Vision

401(k) + company match

HSA + company contribution

Paid time off

Employee discounts

Volunteer paid time

Company-paid life insurance

Job summary

HomeTown Credit Union is seeking a full‑time Payment and Fraud Specialist at our Bridge Street Branch in Owatonna, MN. The role focuses on payment systems, card services, and fraud response, collaborating with staff to ensure effective policies and procedures.

The ideal candidate will have a high school diploma, 1 year card processing experience in a banking environment, strong communication skills, and proficiency in Microsoft Office. Equal opportunity employer.

Qualifications

• High school diploma or equivalent required; one year of card processing experience preferred.
• Experience in a credit union or banking environment is a plus.
• Excellent communication skills and ability to write clearly; strong MS Office proficiency (Outlook, Word, Excel).
• Ability to maintain confidentiality and handle high‑pressure situations with composure.

Responsibilities

• Process loan and plastic card applications.
• Oversee maintenance of records.
• Manage plastic card orders.
• Ensure compliance with regulations.
• Mitigate fraud through diligent case management and staff training.

Skills

Communication skills

Attention to detail

Decision making

Prioritization

Composure under pressure

Education

High School Diploma

Tools

Microsoft Office

Job description

PAYMENT AND FRAUD SPECIALIST

Hours: Monday-Friday 8:30am - 5:00pm

Join our team at HomeTown Credit Union as a full-time Payment and Fraud Specialist at our Bridge Street Branch in Owatonna, MN, and dive into a role that champions innovation and member satisfaction. This rewarding position offers you the ability to work collaboratively with members and staff for all payment types, including but not limited to debit and credit card transactions. It also allows you to engage in impactful investigative work while using your analytical skills that will directly contribute to protecting our members and ensuring compliance with industry regulations.

We are offering a competitive pay range of $20.00 - $24.00 per hour, reflective of your skill and experience.

You will be offered great benefits such as

• medical
• dental
• vision
• 401(k) + company match
• health savings account + company contribution
• paid time off
• employee discounts
• volunteer paid time
• plus company-paid benefits which include life insurance and long-term disability insurance

HomeTown Credit Union: What drives us

Celebrating over 50 years of providing financial wellness to our surrounding communities! At HomeTown Credit Union, we make a difference for our staff, members, and the community by living out our Core Values of Integrity, Commitment, Member Advocacy, Education and Community.

Your role as a Payment and Fraud Specialist

As a full-time Payment and Fraud Specialist at HomeTown Credit Union, you will serve as the primary point of contact for both members and staff regarding all aspects of Credit Union payments, plastic card functions, and fraud response. Your role will involve collaborating with team members to ensure that policies and procedures related to payments and card services are both effective and efficient. You will maintain a comprehensive knowledge of payment systems and fraud prevention strategies while responding to inquiries with accurate information.

• processing loan and plastic card applications
• overseeing the maintenance of records
• managing plastic card orders
• ensuring compliance with regulations
• actively mitigate fraud through diligent case management and provide staff training on relevant systems.

Furthermore, your analytical skills will enable you to recommend enhancements and strategies to improve product offerings and service levels, all while maintaining confidentiality in accordance with Credit Union procedures.

Your scheduled hours will be Monday through Friday, from 8:30 am to 5:00 pm, allowing for a consistent work-life balance while being part of a supportive and professional team environment.

Are you a good fit for the Payment and Fraud Specialist job?

To excel as a full-time Payment and Fraud Specialist at HomeTown Credit Union, candidates must possess a variety of essential skills and qualifications. A high school diploma or equivalent is required, with a preference for candidates who have one year of experience in card processing, as well as in a credit union or banking environment. Excellent communication skills, including the ability to listen attentively, write clearly, and deliver effective presentations, are crucial for interacting with members and staff. Proficiency in Microsoft Office, particularly Outlook, Word, and Excel, is necessary for managing records and analyzing card performance.

Additionally, candidates must demonstrate strong attention to detail, effective decision-making abilities, and the capacity to prioritize tasks effectively. The ability to maintain composure in high-pressure situations is essential, as is a commitment to regular full-time attendance. These skills will enable you to contribute meaningfully to our members' experiences and the overall success of our payment and plastic card programs.

Any offers of employment are contingent upon completion and favorable results of a credit review, criminal background check, and drug screen. Minnesota is an at-will employer state.

Home Town Federal Credit Union is an equal opportunity employer and complies with applicable employment laws. EOE/M/F/Vet/Disabled are encouraged to apply.

Home Town Federal Credit Union will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)