Payment Ops Specialist

Security Service Federal Credit Union; San Antonio (TX); On-site; USD 55,000 - 75,000; Full time

Job summary

Security Service Federal Credit Union seeks a Payment Operations Specialist to ensure accurate, timely, and compliant processing of payment channels, with emphasis on exceptions, Zelle, RDC, and check processing. The role handles investigations, reversals, and disputes while supporting fraud detection and regulatory adherence.

The ideal candidate has 3+ years in payment operations, familiarity with NACHA rules, and strong communication skills; proficiency in Microsoft Office and related

Qualifications

• High School diploma required; related certifications or education preferred.
• 3+ years in a financial institution with payment operations, exception processing, or reconciliation.
• Familiarity with NACHA rules and regulations; understanding CC, D, E, Z, and J regulations.
• Proficient in Microsoft Office; strong analytical, written and verbal communication; ability to manage competing priorities in a fast-paced environment.

Responsibilities

• Analyze, process, and maintain a broad range of payment activities including checks, RDC, Zelle, and exceptions.
• Research and resolve payment discrepancies, disputes, and non posted items; support fraud mitigation efforts.
• Monitor workflows and exception queues; document findings and escalate high risk items to Risk Management.
• Balance, reconcile general ledger, clear suspense accounts, and support outage recovery across platforms.
• Provide after-hours operational support as needed; coordinate with cross-functional teams.

Skills

Analytical thinking

Problem solving

Attention to detail

Communication skills

Time management

Education

High school diploma

NCPC certification preferred

Tools

Microsoft Office

Fiserv TSSO

FDR

VSOFT

Omnia

Evolve

Job description

What You Will Do

The Payment Operations Specialist supports the accurate, timely, and compliant processing of payment and exception channels, with a primary focus on exception processing, check processing, dispute resolution, and Zelle payment operations. This role is responsible for managing, researching, and resolving transaction issues related to check processing, Image Enabled ATM transactions, Remote Deposit Capture (RDC), shared branching activity, Zelle transactions, and non posted or suspense items. This position plays a critical role in resolving payment discrepancies, managing Zelle exceptions and disputes, supporting fraud detection and mitigation efforts, and ensuring compliance with regulatory requirements and internal policies. The specialist serves as an operational resource for resolving complex payment issues across multiple systems while maintaining data integrity and minimizing financial risk. Key Responsibilities: The Payment Operations Specialist analyzes, processes, and maintains a broad range of payment activities supporting check processing, Remote Deposit Capture (RDC), image enabled ATM transactions, shared branching, Zelle transactions, lockbox activity, and exception processing, ensuring accuracy, timeliness, and compliance with credit union policies and regulatory standards. This role manages Zelle payment operations by monitoring transaction activity, researching and resolving exceptions, handling member disputes, coordinating reversals or credits when applicable, and partnering with Risk Management to identify and mitigate potential fraud scenarios. The specialist researches, analyzes, and resolves payment exceptions, disputes, rejects, and non posted items, including misapplied items, chargebacks, ATM adjustments, RDC discrepancies, shared branching exceptions, system rejects, unresolved returns, and CheckFree returns. In addition, the role performs end to end processing for domestic and foreign collection items, large return items (incoming and outgoing), Oil and Gas Lease Drafts, DealerTrack transactions, virtual sorter activity, file transfers, and in clearing operations. Daily responsibilities include completing balancing, reconciliations, general ledger validations, and resolving suspense accounts to ensure financial accuracy and integrity. The specialist processes subsystem postings and identifies, researches, and reconciles non posting items from platforms such as IMPACS and related systems. The position also provides dispute resolution and operational support for check adjustments, ATM disputes, RDC claims, shared branching transactions, Zelle disputes, and dealer reversals, collaborating with Risk Management to investigate, document, and escalates complex or high risk items appropriately. The Payment Operations Specialist monitors payment workflows and exception queues to identify trends, processing errors, or systemic issues, documents findings, and escalates complex or high risk items appropriately. The role executes opening, midday, onsite, and closing operational tasks to maintain continuity of payment services and adherence to established service level agreements. Additionally, the specialist responds to moderate volumes of inbound and outbound ACD and non ACD calls from members, branches, and internal departments, providing clear and professional communication to resolve payment inquiries, disputes, and balancing issues. This position collaborates cross functionally with Risk Management, the Member Contact Center, Branch Operations, Account Services, Asset Recovery, vendors, and external financial institutions to resolve transaction discrepancies, support outage recovery, and provide after hours operational support as needed.

What We Require

High School diploma required. Relevant certifications, coursework, or continued education related to payment operations or financial services. Equivalent experience may substitute for formal certification or education requirements. Minimum of three (3) years of experience in a financial institution environment performing payment operations, exception processing, dispute resolution, or transaction reconciliation functions. Relevant experience may include check processing, Remote Deposit Capture (RDC), ATM operations, shared branching, Zelle payments, non posted item resolution, balancing, or back office settlement activities. Familiar with NACHA rules and regulations and understanding of regulations CC, D, E, Z, and J. Proficient in Microsoft Office (Word, Excel, Access, Visio) and basic understanding of workflow concepts and process methodologies. Strong analytical and problem solving abilities; excellent attention to detail; effective written and verbal communication skills; and a proven ability to manage competing priorities while providing professional and courteous service in a fast paced operations environment.

Ideal Candidate Will Have

Thorough knowledge of check processing, ATM operations, RDC workflows, shared branching activity, Zelle payment operations, and payment exception handling, along with a solid understanding of federal, state, and NCUA regulations affecting payment services. NCP (National Check Professional) certification preferred. Additionally, experience working with processing and account management platforms such as Fiserv TSSO, FDR, VSOFT, Omnia, and Evolve.