Payment Operations - Payments Generalist

TITLE: PAYMENTS GENERALIST
STATUS: NON-EXEMPT
REPORTS TO: DIRECTOR OF PAMENT OPERATIONS
DEPARTMENT: PAYMENT OPERATIONS
JOB CODE: 11810
PAY RANGE: $27.97 - $29.00 HOURLY


GENERAL DESCRIPTION:
As a Payments Generalist, you will play a crucial role in ensuring smooth and efficient payment processes across a variety of functions. You will support and assist with check processing, ACH processing, wire processing, card processing (debit and credit), real time payments, treasury management implementation and other payment-related tasks as needed. This role is designed for someone who thrives in a fast-paced, dynamic environment and is eager to assist across different areas of Payment Operations. This role will work closely with internal teams to keep production moving and resolve issues quickly, ensuring we continue to deliver outstanding service to our members.

TASKS, DUTIES, FUNCTIONS:
1. Payment Processing Support: Assist in the day-to-day operations of check processing, ACH, wire processing, treasury management implementation and other payment-related tasks as needed ensuring smooth and efficient workflows.
◦ ACH Processing: Primary responsibilities will include prioritizing tasks, overseeing departmental queues, workflows, creating, and sending outgoing ACH files, internal money movement, manually returning ACH entries, processing reversals and completing timely reconciliation of general ledgers. In addition, diligently safeguard the credit union's best interests, ensuring prudent financial practices and strategic decision-making.
◦ Wire Processing: Primary responsibilities include supporting branch staff with wire entry and member inquiries and issues related to wire transfer activity, monitoring wire queues for timely processing, careful review of all wire activity for accuracy, funds availability and fraud concerns, and providing wire transfer reports daily to management, Accounting, and other departments as required.
◦ Check Processing: Primary responsibilities will be overseeing daily operations such as ATM and mobile deposits, loan & Visa payments, and bill pay transactions, ensuring adherence to service level agreements. Additionally, it includes handling escalations, monitoring for fraudulent activities, maintaining records, implementing quality control measures, and collaborating on strategic initiatives.
◦ Card (debit and credit) Processing: To support the vision, mission, and strategic goals of the Credit Union by performing assigned duties and activities related to the department of Card Operations. This role involves communicating and interacting with members, staff, vendors, and merchants to provide assistance on all card-related issues.
◦ Real Time Payments: Responsibilities include assisting with the daily operations of the department, such as reconciliation, settlement, risk mitigation, fraud detection, validation, reporting, and documentation.
◦ Treasury Management Implementation: Primary responsibilities focus exclusively on configuring and optimizing systems to enable business members to utilize secure payment capabilities through our online banking platform.
2. Regulatory Compliance: Ensure that all payment operations comply with relevant regulations and industry standards, including NACHA rules for ACH, Regulation CC for checks, and the Uniform Commercial Code (UCC) for wire transfers. Stay current on changes in payment-related regulations and help implement necessary updates to ensure compliance.
3. Develop and conduct training sessions for new employees, ensuring a comprehensive onboarding process and fostering a knowledgeable and skilled team. Additionally, provide ongoing training and support to existing team members to enhance their proficiency and adaptability within the department.
4. Monitor the workflow, overseeing a wide variety of tasks to maintain efficiency and effectiveness. Ensure that the team stays within assigned limits, maintaining meticulous records, and balancing daily transactions.
5. Cross-Functional Collaboration: Provide support across various areas within Payment Operations, acting as a flexible team player who can step in where needed to keep processes on track.
6. Problem Resolution: Identify and resolve issues in payment processing, working closely with internal teams to troubleshoot and ensure timely and accurate resolution.
7. Documentation and Compliance: Maintain accurate records, document processes and procedures, and ensure operations comply with internal policies and external regulatory requirements.
8. Continuous Improvement: Look for opportunities to enhance process efficiency, reduce errors, and improve service delivery within Payment Operations.
9. Training and Professional Growth: Stay abreast with credit union and departmental training by actively engaging in