Payments Specialist II-Digital; 2nd Shift

Payments Specialist II-Digital, (2nd Shift)

Job Category: Team Member

Requisition Number: DIGIT
003587

• Posted :
  April 21, 2026
• Full-Time
• Hybrid

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

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 (2nd shift), you will ensure accurate daily ACH/correspondent file posting and reconciliation, process 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.

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

• 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.

• 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. Balances the returns file and transmits 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.
• Researches and responds to team‑member inquiries/requests received through multiple channels within department service standards.
• Receives and processes payment 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.

• 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.

• Bonus Opportunity: Eligible for ONE SCCU Annual Bonus.

• 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!

Equal Opportunity Employer
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