Payment Services Specialist

Oklahoma Central Credit Union; Tulsa (OK); On-site; USD 38,000 - 52,000; Full time

Job summary

Oklahoma Central Credit Union in Tulsa, OK is seeking a Payment Services Specialist to support transactions processed via ACH, wires, mobile deposits and related electronic services. You will cross-train and back up other areas in the department while delivering accurate information to members and staff.

The role emphasizes compliance with BSA and Regulation E, daily documentation reviews, and collaboration with front-line teams.

Qualifications

• High school diploma, GED or higher.
• One or more years of banking experience.
• AAP certification is a plus.

Responsibilities

• Process mobile deposits, ACH transfers, deposits, adjustments, and wires, and monitor related alerts.
• Assist front-line staff with member inquiries and maintain documentation for quality and compliance with BSA/Reg E.
• Scan and index daily financial documents; perform QA in ECM across departments.
• Monitor loan payments and overdraft activity for potential fraud indicators.
• Cross-train within the department and provide back-up when needed; handle garnishments and court orders as required.
• Maintain records and ensure security and confidentiality per Credit Union policies.

Education

High school diploma, GED or higher

Job description

The mission of Oklahoma Central Credit Union is to make a difference in the lives of our employees, our members, and the communities we serve. We know we must make a difference in the lives of our employees for them to make a difference for our members and communities.

Your role:

In your role as Payment Services Specialist, you will be part of a team that facilitates transactions processed via our electronic options: ACH, wires, remote deposit, etc. In addition, you will cross train and back up other areas in the department.

In this role you will:

• Review and work mobile deposit, ACH, deposit adjustments, Skip-a-Pay, Electronic BillPay Processing, Deposit Return Items, Share Drafts, Plastic Card Transaction Handling, and Wires. Monitor alerts for deposit exceptions.
• Assist front-line support staff with inquiries to assist members.
• Review and verify documentation from retail staff, including signature cards and member-related forms, for quality and compliance with BSA and Regulation E. Track and communicate outstanding items to ensure timely and accurate submission.
• Scan and index daily financial documents, performing quality assurance in the ECM system for items scanned across multiple departments, including Accounting, Finance, and Payment Services.
• Review and maintain the process for loan payment set up, monitoring the overdraft program daily and exercise awareness with regard to possible suspicious activity, money laundering, or fraudulent behavior.
• Serve as backup to other positions in the department when needed. It is required that all employees within the department cross-train. Process daily returned mail, address change notices, and requests per credit union procedures. Verify member authorization using security protocols, perform quality assurance to prevent identity theft, and update bill pay, contact, and address information.
• Work all garnishments and levies as required. Coordinate workflow to ensure subpoenas and other court orders are processed in a timely and accurate manner. Maintain list of pending dormant accounts, account changes, ensuring fees are charged, and escheat the dormant accounts to the state at the end of the year to ensure compliance with Oklahoma statute.
• Maintain records spreadsheet tracking all OCCU documents, including acquired and destroyed items with destruction dates. Manage Iron Mountain inventory, coordinate file transfers, and review box descriptions for year-end destruction in Q4. Assist with vault filing, ensuring organization and frequent maintenance of member signature cards, file folders, and retention records. File incoming documents from branches into appropriate member files.
• Deliver quality member service, giving valid and accurate information to staff and members.
• Maintain all files and records for easy access and retrieval.
• Crosstrain within the Payment Services team upon manager request, ensuring quality controls are met and to cover in the absence of team staff.
• Comply with the requirements of all Credit Union policies and procedures including but not limited to the Bank Secrecy Act, Anti-Money Laundering regulations as they relate to the position.
• Comply with all security guidelines related to physical and information security.
• Commitment to Credit Unions’ needs and maintain confidentiality at all times.
• Deliver service to both internal and external members that are in alignment with the Credit Union’s Service Standards and meet all established goals.

Some of the many reasons to join our team include:

• Competitive pay - Cha-ching!
• Work-life balance - Your family, hobbies, and life outside of work are important to us!
• 401 (k) retirement plan - You contribute to our future, so we contribute to yours!
• Best-in-class healthcare coverage - Helping you stay healthy!
• Generous PTO and federal holidays - We prioritize what matters!
• Community Service - We believe in giving back to the community and you'll receive up to 40 hours of paid volunteer time off!

Requirements

Who we're looking for:

You are a self-starter with a can-do attitude. You are no stranger to a fast-paced environment and tight deadlines, and you are relentless in ensuring that work is completed through effective organization and task management.

You may currently hold the title of: Deposit Operations Specialist, Banking Operations Representative, Electronic Banking Specialist, Wire Specialist, Digital Banking Specialist, Payment Operations Specialist, Payment Processing Specialist, Fraud and Disputes Specialist, ACH Specialist, Card Services Specialist or similar positions within banking

You’ll need to have:

• High school diploma, GED or higher
• One or more years of experience within banking

Even better if you have:

• Accredited ACH Professional certification (AAP)
• Experience with garnishments and levies

Oklahoma Central Credit Union is proud to be an Equal Opportunity Employer and Drug Free Workplace!