Payments Specialist II-Digital

SCCU Simple; Melbourne (FL); Hybrid; USD 55,000 - 75,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

401(k) match

HSA match

Life insurance

Disability insurance

Tuition reimbursement

PTO & holidays

Employee discounts

Job summary

Space Coast Credit Union (SCCU) is seeking a Payments Specialist II-Digital to ensure accurate daily ACH and wire postings, support Zelle, RTP, and Bill Pay, and handle payment disputes. You will review daily files, verify OFAC compliance, and monitor for fraudulent activity, while coordinating with teammates across departments.

This hybrid role offers two in-office days per week, a 9:00 a.m.–6:00 p.m. schedule, and benefits including health/dental/vision, 401(k) match, HSA, tuition

Qualifications

• 1-3 years of related experience in a financial institution with ACH and/or Wire Transfers.
• High school diploma or GED; Associate’s degree preferred.

Responsibilities

• Reviews ACH and Wire daily reports for correctness and accuracy.
• Balances daily files from correspondent banks and ACH files; generates exception reports.
• Balances daily files from third-party servicers for Zelle, RTP, Bill Pay; generates exception reports.
• Reviews daily ACH returns for posted items; determines pay status and transmits returns within deadlines.
• Processes payroll, inter-organizational transfers via digital payment rails.
• Receives and processes Domestic and International wires up to $1M.
• Responds to team inquiries via multiple channels per service standards.
• Processes payment disputes (non-fraud) for ACH, Wires, and channels.
• Trains other Payments Specialists to ensure consistent understanding of job function.
• Monitors digital payment methods for fraudulent activity and reports findings to Fraud Management.
• Maintains knowledge of Reg D, Reg E, BSA, AML and OFAC compliance; complete required training.

Skills

ACH processing

Wire transfers

OFAC compliance

Reconciliation

Fraud monitoring

Customer inquiries handling

Education

High school diploma or GED

Associate's degree preferred

Job description

BAYTREE HEADQUARTERS 8045 North Wickham Road Melbourne, FL 32940, USA

Description

At Space Coast Credit Union (SCCU), our members are at the heart of everything we do. Since 1951, we’ve been committed to delivering financial services founded on integrity and a people-first philosophy.

As a Payments Specialist II-Digital, you will ensure accurate daily ACH/correspondent file posting and reconciliation, processe domestic/international wires up to $1MM with OFAC verification, manage return-item decisions, and support payment disputes and channels including Zelle, RTP, and Bill Pay.

Why Join SCCU?

• Member-Focused Mission: Be part of a not-for-profit organization that reinvests in its members.
• Flexible Schedule Options
• Career Growth: We prioritize internal promotions and offer on-the-job training.

Payments Specialist II-Digital Key Responsibilities:

• Reviews ACH and Wire daily reporting for correctness and accuracy.
• Reviews and balances daily files downloaded from the Correspondent Banks and the ACH files from Federal Reserve Bank through the third-party ACH application within required service and compliance standards. Generates and processes exception reports.
• Reviews and balances daily files downloaded from Third-Party Servicers for all emerging payment channels to include Zelle, RTP, Bill Pay service within compliance standards. Generates and processes exception reports.
• Reviews and analyzes the daily returns file for ACH transactions posted against member accounts. Determines pay, pay and charge or no-pay status of exception items. Balance the returns file and transmit the returns file electronically within the regulatory deadlines.
• Processes SCCU payroll, benefit and other inter-organizational transfers via digital payment rails.
• Receives, verifies, and processes incoming and outgoing Domestic and International wires, outgoing wires up to $1 Million for members and departments through Wire system.
• Research and responds to team-member inquiries/requests received through multiple channels within department service standards.
• Receives and Processes Payments Disputes (non-fraud) for ACH, Wires, and Emerging Payment channels.
• Trains other Payments Specialists, as requested by management, to ensure consistent and uniform understanding of job function.
• Reviews digital payment methods for fraudulent activity and reports activity to Fraud Management.
• Remains knowledgeable and current in all aspects of Regulation D, Regulation E, Bank Secrecy Act, Money Laundering and OFAC compliance. Additional training and certifications will be completed as required.

Payments Specialist II-Digital Requirements:

• High school diploma, GED or equivalent experience. Associates Degree preferred.
• 1-3 years of related experience in a financial institution with specific experience in ACH and/or Wire Transfers.

Payments Specialist II-Digital Compensation:

• Bonus Opportunity: Eligible for ONE SCCU Annual Bonus.

Work Schedule

• Hybrid and Flexible Schedule Options: This position is hybrid with two days per week required in office.
• Monday – Friday: 9:00 a.m. - 6:00 p.m.
• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

About SCCU

Since 1951,Space Coast Credit Union (SCCU)has proudly served our community, growing to over 685,000 members and managing $9 billion in assets. With 67 branches spanning Florida’s east coast, we are the third-largest credit union in the state. In 2025, we expanded into Orange County to better serve the growing East Orlando market.

As a not-for-profit financial institution, SCCU is dedicated to putting our members first. Unlike traditional banks, we return profits to our members through better rates, lower fees, and enhanced services. While we offer the same financial products—like checking, savings, and loans—our focus remains on empowering our members and supporting their financial well-being. With local decision-making and a commitment to exceptional service, we strive to make a meaningful difference in the lives of those we serve.

At SCCU, we also prioritize our team members by fostering a supportive and collaborative environment that encourages career growth and development. As we continue to grow, we are seeking talented, member-focused professionals to join our team and help deliver innovative financial solutions and outstanding service.

Required

Equal Opportunity Employer
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