Payment Services Senior Officer

Maps Credit Union; Oregon City (OR); Hybrid; USD 68,000 - 79,000; Full time

Benefits offered by this job

Medical, Dental, and Vision Insurance

401(k) with employer matching

Paid time off

Job summary

Maps Credit Union in Oregon City is seeking an experienced ACH Operations professional to ensure accurate, secure electronic payments for more than 87,000 members. You will maintain ACH processing, support debit and credit card administration, including disputes and provisioning, and contribute to payment initiatives such as FedNow and RTP.

The role requires hands-on ACH knowledge and familiarity with NACHA rules, Reg E and Reg Z; an Accredited ACH Professional (AAP) is preferred.

Qualifications

• Excellent written and oral communication; professional image.
• Demonstrated interpersonal skills and public speaking ability.
• Accurate typing and intermediate to advanced Excel and e-mail use.
• Ability to operate ten-key by touch.
• Advanced understanding of electronic payment processing and settlement.
• Ability to take initiative and prioritize tasks.

Responsibilities

• Process ACH member transactions accurately and prepare trend reports.
• Post transactions to member records and ledgers; maintain ledgers.
• Maintain documentation; cross-train; arrange team coverage.
• Database maintenance; generate reports; daily data transfers.
• Follow NACHA, BSA, OFAC, AML, Reg E, Reg Z and CARD Act compliance.
• Assist audit preparation with data and reports.
• Maintain data security and retention schedules; ensure data integrity.
• Support process improvements and teamwork across the department.

Skills

Communication skills

Interpersonal skills

Excel skills

Attention to detail

Time management

Education

Bachelor’s degree in Business/Accounting/CS/Banking

Job description

Maps Credit Union

Description:

Join Maps Credit Union and help ensure electronic payments are accurate, secure, and efficient for more than 87,000 members. In this role, you will keep ACH processing running smoothly with minimal errors, support debit and credit card administration, including dispute resolution and card provisioning, and contribute to the future of payments through initiatives such as FedNow, RTP, and process automation that reduces manual work.

We are looking for someone with hands-on experience in ACH operations and a strong understanding of Regulation E, Regulation Z, and NACHA rules. An Accredited ACH Professional (AAP) certification, or a commitment to earning one, is preferred, and we support professional development by covering certification costs.

If you are passionate about delivering payment solutions that are safe, modern, and fast for every member, we want to hear from you.

Key responsibilities include, but are not limited to:

1. Maintain member database by processing ACH member transactions in an accurate and timely manner. Prepare periodic reports by calculating or changing data fields and collecting, analyzing, and summarizing account information trends.

2. Maintain member records, account ledgers, subsidiary accounts, and general ledger accounts by posting timely, accurate transactions.

3. Responsible for tasks assigned including up-to-date, accurate documentation, timely task completion, cross-training others, and arranging team coverage when needed.

4. Perform assigned database maintenance including, but not limited to, report generation, daily transfer of data to the imaging system, and management reports.

5. Perform critical follow-up on exception items and disputes.

6. Follow regulatory and policy compliance requirements, which include compliance with NACHA, Bank Secrecy Act (BSA), Office of Foreign Asset Control (OFAC) and Anti-Money Laundering (AML) Regulations, Identity Theft Red Flags, Reg E, Reg Z, CARD Act and other compliance-related policies.

7. Support audit preparation with data & report compilation.

8. Ensure compliance with federal, state, and local legal requirements by studying new and existing regulations and practices, enforcing adherence to requirements, and advising management on needed actions. Complete all in-house compliance and required training courses in a timely manner.

9. Maintain financial security by following internal auditing controls and by appropriately safeguarding sensitive information. Support and maintain adherence to Maps Record Retention Schedule and use of data systems to ensure data and research integrity, as well as information security.

10. Continuously strive to meet organizational objectives through personal and department goals.

11. Maintain records by filing/scanning documents. Answer inquiries and resolve problems by collecting, researching, analyzing, copying, and mailing data and documents.

12. Maintain inter- and intradepartmental workflow by providing information to and cooperating with co-workers.

13. Contribute to team effort by serving on primary team and accomplishing related results, including cross-training, providing cross-training, and providing back-up support to team members.

14. Enhance job performance by applying up-to-date professional and technical knowledge gained by attending training sessions, reviewing professional publications, and maintaining professional relationships.

15. Demonstrate leadership by guiding and motivating others to take actions that support the vision and goals of the department and organization.

16. Maintain member records, account records and database integrity through accurate setup and maintenance of member accounts, electronic transactions, debit card agreements, swaps, ACH and debit card interface systems.

OTHER JOB FUNCTIONS:

1. Assist with staff training as needed; oversee department staff and act in the absence of the department manager as directed.

2. Contribute to process improvement by continually assessing assigned tasks and communicating potential solutions.

3. Participate in committee and team projects outside the department as assigned by the Department Manager.

4. Contribute to attaining Credit Union objectives by accomplishing related results as assigned.

Requirements:

KNOWLEDGE, SKILLS, AND ABILITIES REQUIRED:

1. Excellent written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person, and over the phone.

2. Demonstrated interpersonal skills, presentation/public speaking capability.

3. Accurate typing/keyboarding skills; intermediate to advanced computer skills, including the use of word processing and Excel spreadsheet software applications and e-mail.

4. Ability to operate ten-key by touch.

5. Advanced understanding/application of electronic payment processing and settlement.

6. Ability to take initiative and prioritize tasks; good time-management, problem-prevention, and problem-solving skills.

7. Demonstrated ability to manage departmental projects from planning phase through implementation.

8. Ability to remain flexible in order to adapt to changes in the work environment.

9. Strong organizational skills.

10. Understanding of Credit Union products and services.

11. Ability to work accurately with close attention to detail.

12. Ability to maintain confidentiality of sensitive information, and strictly adhere to internal controls.

13. Ability to work with co-workers, members, and outside agencies professionally and tactfully.

14. Possess a work ethic that includes neatness, punctuality, and accuracy.

15. Exhibit a professional, businesslike appearance and demeanor.

QUALIFICATIONS:

1. Bachelor’s degree in Business, Accounting, Computer Science, Banking or equivalent financial experience and related (i.e., accounting, computer science, finance, management) college-level courses or a combination of education and financial industry-specific training.

2. Minimum of 3-5 years of demonstrated progressive electronic processing and settlement related responsibilities in credit union and/or financial institution environment.

3. ACH Professional Accreditation (AAP) preferred.

4. Must be bondable.

Starting salary range: $67,573 - $78,835 per year, depending on experience.

Standard Schedule: Monday - Friday, 8:30 AM - 5:30 PM.

Must be available to work an occasional 4-hour Saturday rotation.

This position is based out of our Oregon City location and is eligible for a hybrid work schedule if desired after successful completion of an initial training period. The hybrid schedule is 2 days remote and 3 days in office per week. This position is not 100% remote.

To show our appreciation to employees, we offer:

• Medical, Dental, and Vision Insurance
• Health Savings Account (HSA)
• Flexible Spending Accounts (FSA)
• Employer-paid Life Insurance
• Employer-Paid Short-Term and Long-Term Disability Insurance
• 401(k) retirement plan with employer-matching
• Generous paid time off, starting at 12 hours per month
• 10 paid holidays per year
• 24 hours of paid volunteer time per year
• Employee Assistance Program
• Student loan paydown program
• Employee loan discount program
• Wellness incentives

Why employees are proud to work here:

• We provide financial education for youth and adults
• We provide grants to teachers in the valley
• We offer scholarships for local high school seniors headed to college

About us:

Located in the heart of the beautiful Willamette Valley, Oregon, Maps Credit Union offers a wide variety of services to over 87,000 members at 14 branch locations and supports over 380 employees. More than anything else, we believe in lifelong learning—not only about money and finances but in all areas of life. Our focus on lifelong learning is a result of our proud history as an educators’ credit union, dating back to our start in 1935. We passionately believe that the best way to navigate life’s great adventure is to do it together.

All qualified applicants will receive consideration for employment without regard to race, color, sex, sexual orientation, gender identity, religion, national origin, disability, veteran status, age, marital status, pregnancy, genetic information, or other legally protected status.

Equal employment opportunity, including veterans and individuals with disabilities.