Payments Specialist II-Digital

Space Coast Credit Union; Melbourne (FL); Hybrid; USD 55,000 - 70,000; Full time

Benefits offered by this job

Hybrid schedule

Two in-office days per week

Annual bonus

Health, dental, vision insurance

401(k) match

Tuition reimbursement

Paid time off

Job summary

Space Coast Credit Union is seeking a Payments Specialist II-Digital in Melbourne, FL to ensure accurate daily ACH and wire processing, reconcile files, and support emerging payment channels.

The role emphasizes compliance with Reg D/E, OFAC, and building expertise across Zelle, RTP, and Bill Pay, with a hybrid schedule and opportunities for training and bonuses.

Qualifications

• High school diploma, GED or equivalent; Associate degree preferred.
• 1–3 years of related experience in a financial institution with ACH or Wire Transfers.

Responsibilities

• Post and reconcile ACH and wires daily.
• Process domestic and international wires up to $1M.
• Manage returns and dispute handling; support Zelle, RTP, and Bill Pay.
• Monitor compliance and OFAC screening across payments.
• Train fellow payment specialists as needed.

Skills

ACH/Wires experience

Reconciliation

Regulatory compliance

Education

High school diploma or GED

Associates 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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