Payment Services Specialist

Park-Community-Credit-Union; Louisville (KY); On-site; USD 42,000 - 64,000; Full time

Job summary

Park Community Credit Union is seeking a Payment Services Specialist to process wires, ACH, payroll deductions, and mobile deposits, ensuring accuracy and risk reduction. You will monitor payment systems, resolve disputes, assist staff with payment needs, and maintain regulatory compliance.

This role provides back-up support, reviews procedures for efficiency, and prepares reports to improve operations. A high school diploma or GED and 3–5 years of related experience are required, along with

Qualifications

• Three to five years of similar or related experience.
• High school education or GED is required.
• Ability to operate 10-key calculator and PC software.

Responsibilities

• Process and maintain payment transactions ( wires, ACH, direct deposits, payroll deductions, mobile deposits ) accurately.
• Monitor payment systems to identify and prevent fraud including check/ACH/wire fraud.
• Assist branch staff with payment-related needs and provide excellent member service.
• Review procedures to ensure quality and efficiency on an ongoing basis.
• Prepare and maintain assigned reports timely and accurately.
• Stay up-to-date on regulations and policies involving payment services and AML/Bank Secrecy Act requirements.

Skills

Payment processing

Fraud prevention

Customer service

Education

High School Diploma or GED

Tools

10-key calculator

PC software

Job description

Role:

By emphasizing ONE Park, ONE Mission, One Team, the Payment Services Specialist processes payment transactions, including wires, ACH, payroll deductions, and mobile deposits, ensuring accuracy and fraud prevention. This role monitors payment systems, resolves disputes, assists staff with payment needs, and maintains compliance with regulations. Additionally, the specialist provides backup support, reviews procedures for efficiency, and prepares reports to enhance operational effectiveness.

Essential Functions & Responsibilities:

• Process and maintain functions related to payment transactions such as - wire transfers, ACH payments, direct deposits, ACH exceptions, payroll deductions, share drafts, and share draft exceptions, check returns and adjustments, mobile deposits, loan payments (both mailed and online-message board) in a timely and accurate manner. Monitor transactions to identify and eliminate the various types of payments systems fraud including check fraud, ACH fraud, and wire fraud. Monitor and complete ACH dispute processes as needed. Assist branch staff with the payment services needs to ensure the best service to members.


• Provide backup in other areas of support operations as needed or assigned. Maintain knowledge of backup processes to ensure accuracy of work.


• Review procedures on a continual basis to ensure quality assurance and for maximum efficiency.


• Prepare and maintain assigned reports in a timely and accurate manner as assigned or requested.


• Remain up to date on regulations and policies involving payment services including awareness of fraudulent activity and methods to minimize credit union risk and/or losses.


• Perform other duties as assigned.

Performance Measurements:

1. To be an ambassador of Park's culture supporting the credit union's mission to build thriving communities together ensuring words and actions align with the Park VIBE that defines our Core Values:
   • Vibrant Connections
   • Inclusive Excellence
   • Bold Compassion
   • Endless Empowerment


2. To provide friendly, professional and accurate service and support to all members and coworkers.


3. To provide informed, professional assistance to others in the Credit Union.


4. To keep management informed regarding key operating issues affecting the department.


5. To follow the credit union’s Bank Secrecy Act and anti-money laundering policies and procedures, including running OFAC searches, completing investigative reports of suspicious activity and currency transaction reports timely and without error.


6. To maintain a professional work environment, promote teamwork, build respect among coworkers and present a businesslike appearance.


7. To follow all security policies and procedures and report discrepancies or suspicious activity to manage immediately.

Knowledge and Skills:

Experience Three years to five years of similar or related experience.
Education A high school education or GED.
Interpersonal Skills Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting
cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.
Other SkillsMust be able to operate 10-key calculator by touch. Should have experience with PC software programs.

Physical Requirements

WORK ENVIRONMENTThe work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this position. Reasonable
accommodations may be made to enable qualified individuals with disabilities to perform
PHYSICAL DEMANDSThe physical demands described here are representative of those required to successfully perform the essential functions of this position, but do not necessarily constitute an
exhaustive list of all essential functions. To the extent required by any applicable law,
reasonable accommodations will be made to enable qualified individuals with disabilities to
perform essential functions where this can be done without posing a direct threat to self or
others. While performing the essential duties of this position, the employee frequently must sit,
stand, and walk short distances. The employee frequently uses hands and fingers to count
currency and handle, manipulate, and feel objects, documents, and office tools and
equipment. Reads, writes, listens, speaks, and uses personal computers, copiers, telephones,
and other office equipment and software throughout the work day. The employee is
occasionally required to stoop, bend, squat, and reach overhead with hands and arms.
Occasionally pushing and pulling of office furniture and other objects. The employee mayoccasionally lift and/or move up to 15 pounds and on occasion lift and/or move up to 25
pounds.

Park Community Credit Union is an Equal Opportunity Employer/ Veterans/ Disabled