Payments Specialist, Rio Bravo

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 time frames
• Ensure that OFAC is accurately performed on all wiresand that all Red Flags are mitigated.
• Complete foreign item requests
• Process daily draft posting file
• Complete transactional reporting for partner organizations
• Maintain back-up with holdings
• 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 open minded 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…