Payment Operations Specialist

Blackhawk Community Credit Union; Janesville (WI); On-site; USD 58,000 - 63,000; Full time

Job summary

Blackhawk Community Credit Union in Wisconsin seeks a Payment Operations Specialist to support the Payment Systems department. You will enable electronic payment processing, digital banking services, and daily reconciliations while helping members and staff efficiently.

The role emphasizes accuracy, risk reduction, and ongoing process improvements within a collaborative team. This is a full-time, on-site position in Janesville, WI.

Qualifications

• Associate degree or equivalent or work experience.
• Minimum 1 year of financial institution experience.
• Must be 18 years or older.
• Must obtain and maintain one or more certifications (AAP, NCP, APRP, FPP).
• General knowledge of electronic payments.

Responsibilities

• Supports all aspects of Digital Banking, ACH, Share Draft, Payroll, Bill Pay, Wire Transfers, Mobile/Remote Deposit, Business Payment Services, new products/services.
• Perform ACH exception processing, balancing, returns, and related tasks.
• Manage payroll and transfer forms, loan payment options, ATM activity, and internal member requests.
• Process wire transfers, daily check clearings, mobile and remote deposit activities.
• Review payment services activity daily for potential fraud and ensure compliance.

Skills

Interpersonal skills

Multitasking

Accuracy

Confidentiality

Fraud awareness

Communication skills

Teamwork

Microsoft Excel

Education

Associate degree or equivalent

Tools

Microsoft Excel

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.

Payment Operations Specialist

Regular Full-Time Sharedraft/ACH/Payro Janesville, WI, US

2 days ago Requisition ID: 1778

Salary Range: $58,000.00 To $63,000.00 Annually

Job Description

Payment Operations Specialist

Job Classification: Full Time

FLSA Status: Exempt

Department: Payment Systems

Reports To: Payment Systems Manager

Job Overview

The Payment Operations Specialist provides responsible and consistent service to the credit union’s internal and external members. Effectively assists our member-facing team to deliver exceptional service to our members. This role supports the payment systems department by seeking opportunities to improve processes, reduce risk, and deliver value to members through electronic payment processing and digital banking. The role is responsible for ensuring programs run optimally and progress with technology and innovation.

The responsibilities noted below are not to be considered an all-inclusive listing of duties. You may perform other duties assigned, cover absences, or balance the workload.

Major Tasks, Responsibilities and Key Accountabilities

• Supports all aspects of Digital Banking, ACH, Share Draft, Payroll, Bill Pay, Wire Transfers, Mobile/Remote Deposit, Business Payment Services, new products/services.
• Payment Systems job duties, include but are not limited to:
  • ACH exception processing, ACH daily balancing, ACH returns, DNE reports and returns, corporate and government reclamations, process internal ACH postings, external transfer ACH origination
  • Perform manual postings for account changes and draft adjustments, processing of WSUPP and WSUD forms, ACH and check stop payment requests
  • Manage payroll and transfer forms, loan payment option forms, ATM activity, internal member request cases
  • Manage wire transfer agreements, initiate outgoing domestic and foreign wire transfers, and process incoming wire transfers
  • Manage daily check inclearings, returned deposit checks, mobile deposit, remote deposit now and mobile remote deposit capture
  • Process daily bill Pay exceptions
  • Research and report transactions that fall outside of expectations and regular conduct
• Knowledge in digital banking products and services.
• Assist in training and providing support to employees and members on products & services related to the payment systems and digital banking department.
• Work on special assignments as directed by the payment systems manager, assistant manager or director.
• Review payment services activity daily for potential fraud activity and report those findings to the appropriate department(s).
• Works with daily/weekly/monthly reconciliation of internal general ledger and checking accounts that relate to the payment systems department.
• Continuously evaluate and research the requirements and efficiency of the tasks assigned to the role.
• Maintains an advanced level of familiarity and understanding of all Digital Banking, Payment Systems and Cash Management and adheres to all Compliance, Processes and Procedures according to laws and regulations, such as: Reg E, Reg J, Reg CC, UDAAP, Reg Z, 31 CFR 210, Green Book, NACHA Rules, OFAC, UCC 3, 4 & 4A, BSA/AML
• Provides project support; assists with research, testing, installation and troubleshooting of new and existing products and services.
• Work with IT and outside vendors to troubleshoot and resolve system errors.
• Participates in ongoing education and required training sessions.
• Performs other duties as requested by the manager, assistant manager or director of the area.
• Follows Processes and procedures established to ensure compliance with the Bank Secrecy Act (BSA) Anti-Money Laundering (AML), and Combating the Financing of Terrorism (CFT). Complete required, annual AML/CFT training to ensure you understand your responsibilities that apply to AML/CFT, including: IP (Customer Identification Program)
  • CDD (Customer Due Diligence)
  • Prohibited Account Types
  • SARs (Suspicious Activity Report)
  • OFAC (Office of Foreign Assets Control)

QUALIFICATIONS and COMPETENCIES

EDUCATION and EXPERIENCE

• Associate degree or an equivalent level of knowledge, skills, and abilities typically acquired through work experience.
• Minimum 1 year of financial institution work experience.
• Must be at least 18 years of age.
• Required to obtain and maintain one or more certifications in areas of specialization (AAP, NCP, APRP, FPP)
• General knowledge of understanding of electronic payments

COMPETENCIES

• Must possess strong interpersonal skills, a positive attitude, and a desire to help people.
• Ability to multitask and prioritize in a fast paced, changing environment and maintain a commitment to accuracy, confidentiality and timeliness.
• Effective problem solving skills to address and resolve daily balancing situations and potential fraud situations.
• A strong understanding of general ledgers, debits/credits, balancing and related functions
• Pass the pre-employment background check.
• Be actively involved and a strong collaborator within the department with the ability to cross-train in a variety of tasks.
• Ability to follow oral and written instructions
• Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.
• Must have the ability to identify member opportunities for financial improvement, communicate recommendations, and provide support.
• Commitment to confidentiality in handling sensitive information.
• Proactive approach to identifying potential fraud risks and implementing preventative measures.
• Must possess effective verbal and written communication skills.
• Must have reliable attendance.
• Must possess good judgment.
• Must possess math skills, accuracy, knowledge of Microsoft Excel and attention to detail.
• Projects a professional image

OTHER (PHYSICAL, MENTAL, AND VISUAL SKILLS)

Physical Job Requirements

Frequent periods are spent standing or sitting in the same location with some opportunity to move about; occasionally there may be a need to stoop or lift light objects (typically less than 8 pounds).

• Ability to move about and communicate with a diverse membership and employee group.
• Ability to accomplish the described responsibilities using computers and technology.
• Ability to sit and/or stand for extended periods of time.
• Ability to work in a changing, challenging, and fast paced work environment.
• Provide own transportation.
• Occasional business travel.

Typically located in a comfortable, quiet indoor area. There may be regular exposure to mild physical discomfort from factors such as dust, fumes or odors, temperature extremes, strong drafts, or bright lights.

Blackhawk Community Credit Union is an Equal Employment Opportunity (EEO) employer. It is the policy of BHCCU to provide equal employment opportunities to all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran or disabled status, or genetic information.