Payment Services Specialist - ACH & Deposits

L&N Federal Credit Union; Louisville (KY); On-site; USD 38,000 - 46,000; Full time

Job summary

Payment Services Representative at L&N Federal Credit Union in Louisville, KY is a full-time, on-site role overseeing ACH, share draft, mobile deposit, payroll, and official checks processing.

The position emphasizes precise posting, daily balancing, monitoring for exceptions, and resolving member inquiries with a service-first approach, while aligning with Credit Union policies and regulatory requirements.

Qualifications

• High school diploma or equivalent.
• 1-3 years related or similar experience required.
• General PC and computer keyboarding abilities.
• Customer service and communication skills.

Responsibilities

• Posts and balances daily ACH, share draft, and payroll files.
• Processes member changes for payroll deductions, allocations, and direct deposits.
• Balances checks scanned at the branches to correspondent account.
• Responsible for researching and resolving all incoming and outgoing cash letter adjustments.
• Reviews mobile deposit checks daily determining if the deposit should be approved, rejected, or placed on extended hold.
• Conducts daily transaction monitoring and verification activities for ACH, share draft, mobile deposit, and other payment transactions to identify exceptions, potential fraud, and unusual account activity.
• Researches and resolves problems or questions for members, clearing house, or correspondents.
• Responsible for official check daily balancing, monthly reconciling, tracking, stop payment processing, and ordering of check stock.
• Maintains, updates and posts monthly reimbursement groups.
• Performs reconciliation duties for a variety of general ledger accounts as assigned and prepares, maintains, and distributes operational and balancing reports using Excel.
• Under supervision, engages in problem resolution by clarifying the member's and/or employee's complaint; determining the cause of the problem; selecting and explaining the best solution to solve the problem; researching and proposing a solution when management assistance is required to solve a problem; expediting correction or adjustment; following up to ensure resolution; and keeping management informed of problems.
• Serve as a backup to other positions within the Finance Department.
• Assist with projects by providing support to management as needed.

Skills

Customer service skills

Communication skills

General PC skills

Education

High school diploma or equivalent

Job description

Payment Services Representative at L&N Federal Credit Union in Louisville, KY is a full-time, on-site role overseeing ACH, share draft, mobile deposit, payroll, and official checks processing.

The position emphasizes precise posting, daily balancing, monitoring for exceptions, and resolving member inquiries with a service-first approach, while aligning with Credit Union policies and regulatory requirements.