Payments Specialist II-Digital, (2nd Shift)

Space Coast Credit Union; Melbourne (FL); Hybrid; USD 52,000 - 64,000; Full time

Benefits offered by this job

Hybrid work schedule

Annual bonus

Tuition reimbursement

Paid time off 20+ days

Job summary

Space Coast Credit Union seeks a Payments Specialist II-Digital to ensure accurate daily ACH and Wire postings, reconcile files, and support emerging payment channels. The role handles domestic and international wires up to $1M, verifies OFAC compliance, and resolves payment disputes across Zelle, RTP, and Bill Pay.

The position operates on a 2nd shift with a shift differential, offers a hybrid work arrangement, and provides opportunities for internal promotions and on-the-job training.

Qualifications

• High school diploma or GED required; Associates degree preferred.
• 1–3 years in a financial institution with ACH or Wire experience.
• Knowledge of OFAC compliance and regulatory requirements is a plus.

Responsibilities

• Process and review daily ACH and Wire postings for accuracy.
• Balance daily files from banks and ACH applications; generate exception reports.
• Manage domestic and international wires up to $1M; verify OFAC compliance.

Skills

Attention to detail

Analytical thinking

Communication

Education

High school diploma or GED

Associates degree preferred

Tools

Wire system

ACH processing platform

OFAC verification tools

Job description

Payments Specialist II-Digital, (2nd Shift)

Job Category: Team Member

Requisition Number: PAYME003933

• Full-Time
• Hybrid

Locations

Showing 1 location

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

Description

AtSpace 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 (2nd shift), 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.

**This position is 2nd shift and is eligible for shift differential pay.**

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: 10:00 a.m. - 7:00 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‑enough?

With local decision-making and a commitment to exceptional service, we strive to make a meaningful difference in the lives of those we serve.

I UNDERSTANDthis application is a legal document for purposes of employment. Upon acceptance of an offer with SCCU, I understand that I will be required to complete background screening, employment and education verifications, and drug screening.If I am a member of Space Coast Credit Union, my SCCU membership accounts will be reviewed as part of the employment screening process to determine whether they are in good standing, as defined by SCCU policy.Failure to meet these standards may affect employment eligibility, including the possible withdrawal of a conditional offer of employment. I further understand that any misstatements or omissions in this application or during the pre-employment process may be considered falsification and could result in a decision not to hire me, or termination of employment if discovered after hire.

I UNDERSTANDthat the information requested regarding date of birth, race, and sex is for the sole purpose of gathering the above information accurately and will not be used to discriminate against me in violation of any law. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and complete the required employment eligibility verification documentation upon hire.

SCCU is a drug‑free workplace.I understand that as a condition of employment, I will be required to submit to drug testing and any procedures necessary to assess my qualifications for employment. If hired, I further understand that my employment is for no definite period and may be terminated at any time without prior notice.

Required

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.