Payments Specialist, 301 Rio Bravo, Bilingual Preferred - Military veterans preferred

Job Title: Payments Specialist

Department: Electronic Payment Services

Reports To: Electronic Payment Services 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 timeframes
• 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 perform 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.