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Job description
Job Title: Payments Specialist
Department: Payments
Reports To: Payments Assistant Manager
FLSA Status: Non-Exempt
Grade: 7
Summary
The Payment Specialist is responsible for processing card, ACH, negotiable instruments, wires and other payment transactions.
Essential Duties and Responsibilities include the following. Other duties may be assigned. This job description in no way implies that the duties listed here are the only ones that the employee can be required to perform. The employee is expected to perform other tasks, duties and trainings as dictated by their manager.
Card (Debit, Credit, ATM, Gift/Travel,)
Research, troubleshoot, and resolve card issue requests
Reset password on card systems
Complete card disputes within required timeframe
Close out credit cards
Adjustments in Extra Awards platform
Maintain adequate level of card stock for branches (Gift/Travel)
Upload daily card order files
Process special handling for card orders
Process dispute loss insurance claims monthly
Reviews daily reports from Co-Op and JHA.
Monitor, review and research SWBC alerts
Process administrative duties for ECM to include adding and removing of members from file and researching rejected payments for fraud and exceptions
Research fraudulent activities that affect the credit union. Provide written explanation to Payments Assistant Manager
ACH Process daily file, verifying entries have been posted and notating exceptions
Prepare and process returns, disputes, and Fed reclamation
Create, review, and verify ACH origination requests
Ensure that OFAC is accurately performed on all ACH.
Negotiable Instruments/Wires/Foreign Items/Other Assist in processing of declaration of loss requests, stop payments, and check disputes
Process incoming and outgoing wires within required timeframes
Ensure that OFAC is accurately performed on all wires and that all Red Flags are mitigated.
Complete foreign item requests
Process daily draft posting file
Complete transactional reporting for partner organizations
Maintain back-up withholdings
Process annual escheatment
Process ATM settlements and review large items
Process return checks
Complete Bernalillo County payroll processing
Card Transaction exception processing
Member Service Come to work every day with a member focused, passionate, and dedicated mindset
Approach ever member situation from a caring, helpful, and openminded position
Proactively approach issues and offer creative solutions that will make doing business with RGCU easier
Assists in any other areas as directed by the Payments Assistant Manager, Payments Manger, Senior Management and/or President/CEO.
Report all suspicious activity to the Risk Management department via the compliance group email.
ACH - Accurately perform OFAC for all IAT transactions. Ensure fraudulent ACH transactions are mitigated to the best extent possible.
Wires - Ensure that OFAC is accurately performed on all wires and that all Red Flags are mitigated.
Ensure that all accounts, loans, and transactions are reviewed for the appropriate red flags.
Supervisor Responsibilities
This position has no supervisory responsibilities.
Competencies
To perform the job successfully, an individual should demonstrate the following competencies:
Decision-Making and Judgement - Collects and evaluates all relevant information prior to making job-related decisions. Presents well-considered alternatives when making recommendations. Makes decisions in a timely manner. Communicates with all affected parties prior to implementing decisions. Maintains appropriate, professional boundaries with all peers, subordinates, supervisors, managers, vendors, and guests. Understands what appropriate, professional boundaries are and models these boundaries to others.
Personal Management - Demonstrate initiative, willingness to learn, integrity and accountability in the work environment.
Teamwork - Contributes to building a positive team spirit; Able to build morale and group commitments to goals and objectives.
Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness; Applies feedback to improve performance; Monitors own work to ensure quality.
Planning - Establishes both short and long term plans to meet future needs. Shows foresight in recognizing problems in areas of responsibility and takes actions to improve or correct issues. Foresees changes and trends relevant to the area of responsibility. Adheres to schedules and plans.
Qualifications
To perform this job successfully, and individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and /or Experience
Experience- 6 months to 2 years related experience
Education- 2-year degree or completion of a specialized course of study OR 2 years of related experience.
Language Skills
Ability to effectively present information and respond to questions from managers, members, and the public.
Mathematical Skills
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, are, circumference, and volume.
Reasoning Ability
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form. Must have a comprehensive knowledge of accounting procedures, principles, and standards Possess comprehensive knowledge of reconciliation.
Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Computer Skills
To perfume this job successfully, an individual should have knowledge of software used to perform accounting. Spreadsheet software such as Excel and Work Processing software.
Work Environment
The work environment characteristics described here are representative of those and employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Rio Grande Credit Union is an Affirmative Action and Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected veteran status and will not be discriminated against on the basis of disability.
Worksite address
albuquerque, NM, 87101, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.