Payment Services Representative I

Georgia's Own Credit Union; United States; Hybrid; USD 40,000 - 58,000; Full time

Job summary

Georgia’s Own Credit Union is seeking a Payment Services Representative I to join our Payment Services team. This entry-level role supports frontline staff and handles daily inclearing, ACH, remote deposit channels, and wire posting in a dynamic, member-focused environment.

You will process transactions, resolve inquiries, and help ensure accurate processing while adhering to credit union policies. A high school diploma and 2 years in banking are required; we offer a flexible hybrid schedule and

Qualifications

• High School Diploma or Equivalent; minimum 2 years of banking/credit union experience.
• Excellent verbal and written communication skills and attention to detail.
• Ability to multi-task and handle multiple projects in a fast-paced environment.

Responsibilities

• Handle general inquiries via phone, email, and Skype; support frontline and Security with research and resolution.
• Review/processing of errors for Inclearing and ACH transactions; make pay/no pay decisions.
• Review and handle returns; reconcile processing totals; manage stop payments.
• Prepare affidavits for lost/stolen cashiers' checks; process adjustments and disputes.
• Post incoming wires; provide data for management reports; ensure compliance with OFAC and Reg CC.
• Assist accounting with reconcilement and participate in special projects.

Skills

Verbal communication

Written communication

Detail oriented

Team player

Education

High School Diploma or Equivalent

Job description

If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today. This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office.

SUMMARY Payment Services Representative I is the introductory role within the Payment Services operations area of the credit union. This role will support frontline staff and contribute to the completion of daily work associated with the Payment Service Department, specifically: inclearing, ACH, remote deposit channels and incoming wire posting.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

• Handling general inquires via phone/voicemail, email and Skype Support frontline and Security department with research and resolution
• Review/processing of errors and exceptions for Inclearing and ACH transactions
• Make pay and no pay decisions
• Review and handle returns
• Reconcile processing totals
• Manage stop payment processes
• Prepare affidavits for lost/stolen Cashiers’ Checks
• Process adjustments and disputes
• Assist the Accounting Department with reconcilement
• Post incoming wires received
• Complete reconcilement, adjustments and disputes
• Assess transactional fees as outlined by the credit union’s Truth in Savings Fee Schedule
• Provide data for management reports on a one-off or ongoing basis
• Comply with departmental/credit union policies and procedures with specific focus on OFAC and Reg CC
• Review check images submitted through remote channels and approve deposits within credit union guidelines; place holds and facilitate returns on submitted items as necessary
• Complete special projects and any other duties assigned by management

This role must be willing and able be incorporated in to the department’s business continuity and disaster recovery plan as assigned.

QUALIFICATIONS EDUCATION and / or EXPERIENCE including Certificates, Licenses and Registrations High School Diploma or Equivalent. Minimum 2 years of similar or related experience with credit union/banking

OTHER SKILLS & ABILITIES Must be able to work amicably with credit union members and staff. Able to contribute to the greater whole in a team environment Must be detail oriented and have strong interpersonal skills. Excellent verbal and written communication skills. Ability to multi-task and various projects in given time frame.

PHYSICAL REQUIREMENTS:

To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation. Employee will be in an office environment (well-lighted, heated, and air-conditioned) typically stationed at a desk or table. Employee will be asked to sit and stand for various increments of time, and to lift/push up 10 lbs. Clerical office duties on various forms of technology are required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. All positions that have lending responsibilities must comply with all requirements under the SAFE ACT, as well as the Credit Union’s policies and procedures related to the SAFE ACT. This includes an obligation on the employee’s part to ensure that NMLA registration pertaining to the SAFE ACT is kept current. The employee must notify the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry.

EEO/EOE Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any classification protected by federal, state, or local law. Consistent with obligations under federal law, every company that is a federal contractor or subcontractor is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans.

We are an equal opportunity employer. Employment selection and related decisions are made without regard to sex, race, age, disability, religion, national origin, color or any other protected class.

Georgia’s Own Credit Union named to 2025 Top Workplaces USA list

Georgia’s Own Credit Union is proud to be named to the 2025 Top Workplaces USA list. Organizations must receive at least a 35% response rate on their employee engagement surveys to be considered for the Top Workplaces award from Energage. Questions range from employees’ experiences with work-life balance and their overall well-being to communication, innovation, and values within the organization. As a full-service, not-for-profit financial institution, serving our members, giving back to our communities, and cultivating our employees is at the heart of what we do. That includes providing a flexible, innovative, engaging, and progressive work environment—just to name a few. We had an impressive participation rate of 75% in the employee engagement survey. Below is what some of our incredible employees have to say about working for Georgia’s Own:

“In my work, I can be very flexible with my schedule, and I feel like I can contribute to the overall success of the company.”

“Georgia’s Own is truly a fabulous place to work. I love my job because regardless of what area, everyone is focused on ensuring that our members have what they need to succeed. And that’s a good mission!”

“I can contribute to the greater cause of providing our community with financial assistance to meet the dreams and needs of their families.”

“I love the people that I work with and the vision behind who Georgia’s Own is and continues to be. I love being a part of an organization that cares for the community, starting with their very own employees and members.”

We’re honored to be included among some of the most highly regarded organizations in the nation. This award would not have been possible without our extraordinary employees who work hand-in-hand to ensure our mission of Banking on Purpose remains the foundation of our work.

Banking on Purpose While many things have changed throughout our long history of a credit union, acting with purpose—whether it’s serving our members, giving back to our communities, or cultivating our employees—has remained the foundation of what we do. Banking on Purpose explains our character and motivation. It drives our decision-making, and is the underlying reason why people should choose us as an employer and financial institution. Banking on Purpose is not just a tagline—it is our mission and vision, both internally and externally. Banking on Purpose is not just a tagline—it is our mission and vision,both internally and externally.

EEO/EOE Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of actual or perceived age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any other characteristics protected by applicable federal, state, or local laws. Consistent with obligations under federal law, Georgia’s Own is committed to taking affirmative action to employ and advance women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans.