Senior Payment Operations Specialist II

Desert Financial Credit Union; Phoenix (AZ); On-site; USD 60,000 - 75,000; Full time

Job summary

Desert Financial Credit Union is seeking a Payment Operations Spec II to ensure accurate processing of payments, NACHA compliance, Reg E and Reg CC adherence, and timely settlements. The role also balances general ledger entries, reviews payment activity, and provides reporting on payment flows.

You will perform file authentication and validation, manage payment origination and receiving across channels, identify potential fraud, respond to complex inquiries, and ensure regulatory controls are

Qualifications

• High School Diploma or GED required.
• 3+ years banking experience required.
• 1+ year of payment processing experience (ACH; Wire processing; etc.) required.
• 1+ year of settlement and balancing experience preferred.
• Demonstrated ability to assess risk and make effective decisions in a timely manner required.
• Expert understanding of NACHA rules and regulations required.
• Demonstrated proficiency in using payment processing and compliance systems; third-party vendor systems; to ensure accurate and timely processing required.

Responsibilities

• Maintain knowledge on all payment processing rules and regulations and manage payment origination and receiving, code payments from various channels, handle unauthorized transactions, as well as foreign transfers.
• Respond to complex inquiries and issues, recalls, following difficult timelines, and direct payment/direct deposit activity.
• Complete tasking on all payment channel responsibilities, including settlement and review, holds and processing, file maintenance, verifications/authentication, review all payment channel requests for completeness and regulatory compliance.
• Identify potential fraud and perform research on suspicious activity; provide resolutions in a timely manner.
• Complete complex entries into general ledger related to paperwork and information processed; reconcile discrepancies to resolution.

Skills

Attention to detail

Risk assessment

Customer service

Education

High School Diploma or GED

Tools

Payment processing systems

General ledger systems

Job description

Desert Financial Credit Union is seeking a Payment Operations Spec II to ensure accurate processing of payments, NACHA compliance, Reg E and Reg CC adherence, and timely settlements. The role also balances general ledger entries, reviews payment activity, and provides reporting on payment flows.

You will perform file authentication and validation, manage payment origination and receiving across channels, identify potential fraud, respond to complex inquiries, and ensure regulatory controls are