Payment Specialist

Coastal Credit Union; Raleigh (NC); Hybrid; USD 54,000 - 74,000; Full time

Job summary

Coastal Federal Credit Union in Raleigh, NC is seeking a Payment Specialist to assist members with complex payment services including ACH, direct deposit, ACH originations, Digital payments/A2A, checks, adjustments, disputes, and wire transfers. The role emphasizes accuracy, regulatory compliance, and delivering superior member service while working in a hybrid setup.

The position requires three years of experience in payment operations and a high school diploma or equivalent.

Qualifications

• Three years of financial institution experience in payment operations.
• High school diploma or equivalent.

Responsibilities

• Assist members with complex payment services including ACH, direct deposit, ACH originations, Digital payments/A2A, checks, adjustments, disputes, and wire transfers.
• Ensure compliance with regulatory and internal requirements with a strong focus on accuracy and member service.
• Process ACH items, exceptions, disputes, and research member issues in accordance with Nacha rules and Regulation E.
• Review and process time-sensitive check items and ensure proper posting, returns, and warranties.
• Validate outgoing wire transfers (domestic and international) with proper approvals and sanctions screening.
• Provide tier 2 support for Retail and Contact Center staff and respond to digital banking payment inquiries.

Job description

Job Title: Payment Specialist

Position Location: Raleigh, NC. Hybrid Position, must live locally.

Job Summary:

The Payment Specialist assists members with various complex payment services including ACH, direct deposit, ACH originations, Digital payments/A2A, checks, adjustments, disputes, and wire transfers while ensuring compliance with all regulatory and internal requirements.

The position requires a strong focus on accuracy, attention to detail, compliance, problem solving, and delivering superior member service.

As a key contributor to the Coastal team, your responsibilities will be:

• (30%) ACH Processing and Compliance with Nacha Operating rules and regulations:
  • Stay current on Nacha Operating Rules, applicable regulatory requirements, and internal procedures to support compliant ACH processing, timely reporting, and adherence to required timeframes.
  • Handle ACH exception items, including returns, notifications of change, payroll allocations, DNEs, reclamations, and member notifications, ensuring required actions are completed within applicable deadlines.
  • Research and resolve member issues related to ACH payment originations, Digital banking A2A requests, DNE's and reclamations.
  • Assist members with ACH disputes by reviewing claims, gathering required documentation, and providing resolutions in accordance with Nacha rules and Regulation E.

• (30%) Check Processing and Regulation CC Compliance:
  • Review and process time-sensitive in-clearing check file exceptions in accordance with Regulation CC, Check 21, applicable check collection requirements and established processing deadlines.
  • Manage, verify, and process returned checks accurately and timely to support proper posting, return-item handling, and compliance with applicable check warranties and indemnities.
  • Maintain accurate handling of digital, physical, and substitute check items to support reliable transaction processing, timely presentment, and appropriate posting or delivery in accordance with Regulation CC, Check 21, and applicable warranty and indemnity requirements.
  • Assist members with check disputes by investigating discrepancies, gathering required documentation, and supporting timely resolution in accordance with applicable regulations.
  • Process foreign check collection items by preparing proper documentation for check processor.

• (25%) Ensure the accuracy and security of wire transactions:
  • Validate all outgoing (domestic and international) corporate, business, mortgage and member wire transfers to confirm required security checks are completed and appropriate approvals are obtained.
  • Process wires within established deadlines and in accordance with regulatory requirements, internal procedures, and applicable sanctions-screening controls.
  • Balance and reconcile daily wire activity, promptly research discrepancies, and elevate suspicious or unauthorized activity.
  • Initiate international wire funding and settlement transactions with the designated vendor.

• (15%) Payment Maintenance, Accuracy, and Member Support:
  • Provide tier 2 support for Retail and Contact Center staff assisting members.
  • Review and correct mobile banking check deposits that do not meet established accuracy thresholds.
  • Research and respond to Digital Banking secured messages related to payments, providing accurate and timely resolution to issues.
  • Use multiple systems simultaneously to research and resolve member inquiries received by various channels.
  • Review and correct Digital banking-originated loan payments by coordinating with the appropriate departments and initiating the required credit.

Interested? Here are the qualifications we need to see on your resume:

Experience:

• Three years of financial institution experience in payment operations
• Transaction processing experience; Wire, ACH and check processing experience preferred

Education:

• High school diploma or equivalent

Essential cognitive/physical/social requirements of position:

Must be able to learn and retain information; resolve problems and think sequentially; remain in a stationary position; constantly operate a computer; and converse with others on a continual basis.

Deadline for Application: All resumes must be received on or before 10/29/2026

Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

Coastal Federal Credit Union is committed to providing reasonable accommodations to applicants who may have disabilities. If you need special assistance or an accommodation in applying for employment, please contact our HR department at [e-mail]. Request for reasonable accommodation will be considered on a case by case basis.

"It's our duty to create a workplace and company culture where everyone feels heard and valued, and is appreciated for their unique backgrounds, experiences, and perspectives. At the end of the day, what truly matters is that every person who walks through our doors believes that they are an integral part of our team and can bring their best, true self to work each day. Building a culture of inclusivity means creating an environment where everyone thrives and succeeds together."

-Tyler Grodi, CEO

VEVRAA Federal Contractor

Equal Opportunity/Affirmative Action Employer

Minority/Female/Disability/Veterans