Payment Services Specialist II

Payment Services Specialist II Location Phoenix, AZ : Description:

Are you looking for an opportunity to let your skills shine? Come join the team at Copper State Credit Union! We aren't so small that growth opportunities are scarce and we aren't so big that you'll get lost in the shuffle. With only 140 employees, we are able to offer similar products and services as our larger competitors, but on a more personalized scale, both with our members and our employees. This approach provides our employees the opportunity to get involved in the organization in a way they may not be able to, in the corporate world. At Copper State Credit Union, we value the contributions of our employees and actively look for ways to be collaborative, within all levels of the organization. Here, you will have the opportunity to roll up your shirtsleeves, put your unique skills to work, and have a voice in developing your role from the ground up.

As a Payment Services Specialist II, you will:

• Process Monarch report by reconciling, researching, and posting card network outages.
• Process Zelle tasks by reviewing reports, returned payments, and monitoring OFAC hits and processing high-risk items.
• Process activities including ACH, death notification, and Account Recovery charge off maintenance.
• Perform account research for members including the retrieval of check images and ACH inquiries. Provide evidence to members to validate unrecognized transactions.
• Capture and investigate ACH, check, Zelle, and Bill Pay disputes and fraud claims reported by phone, email, online banking and branch personnel in accordance with Regulations E. May interview the member to get all relevant facts as to how the fraud occurred and help determine the member's level of complicity in the fraud scheme.
• Process DP Closed Report.
• Maintain bill pay processing by reviewing reports, returned payments, monitoring OFAC hits, and auditing deactivated accounts and unpaid items. Process inactive bill pay accounts and report any associated fraud. Monitor bill pay collections and blocked accounts report daily.
• Perform ACH Processing including file transmissions, reviewing non-post and exceptions for payment or return, originations, disputes, and regulatory compliance.
• Perform Inclearing Processing including reviewing non-post and exceptions for payment or return, adjustments, and regulatory compliance.
• Process ACH notifications of changes and returns.
• Process and investigate Regulation E claims related to ACH transactions. Process all returns related to government benefits, reclamations, pension and death notice entries.
• Assist branch personnel and members with proper forms for return of unauthorized or stopped ACH transactions.
• Process written statements of unauthorized debit transactions within established timeframes.
• Balance ACH in Process and Share Draft posting files to general ledger.

To be successful in this role, you will need the following competencies:

Technologically Astute - Demonstrate the ability to use technology to effectively and efficiently perform job functions.

Results Orientation - Keenly aware of personal, team, departmental and credit union wide goals and be able to prioritize and collaborate with others to achieve success.

A Service Focus - Demonstrate an unsurpassed commitment to exceptional member service. Build constructive working relationships characterized by cooperation, collaboration, and mutual respect. Personify CSCU's role as a Trusted Advisor.

Initiative - Motivated self-starter who measures self against standards of excellence. Display energy and enthusiasm in approaching the job. Wants to get in on the ground floor and create something from scratch. A bit of an entrepreneurial spirit goes a long way in our environment.

Eye for Quality - Take responsibility for providing timely and accurate information, responses and decisions to internal and external members. Willingly accepts and embraces constructive coaching and feedback as needed.

Flexibility - The ability to excel in a high stress environment, adapt to changing business needs and work priorities needs is a must. Develop fresh ideas that provide solutions to all types of workplace challenges.

Company Overview

Join a winning team and a dedicated Credit Union! We have been offering quality financial service to members and their families since 1951. As a credit union, we are a not-for-profit financial cooperative, which means we operate to serve our member-owners. This makes us quite different from other financial institutions. Since 1951, we have focused on building lifetime relationships by continually expanding our products and services while emphasizing financial security, quality, and convenience in an environment that values and respects members, employees, and business partners.

Requirements:

• Requires education equivalent to a four-year high school education or general education degree (GED).
• At least 3 years of experience in back office functions including payment processing and card disputes required. Experience in ACH origination and processing preferred.
• Working knowledge of credit union products and services, policies, and standard operating procedures required. Knowledge of consumer lending and account opening and closing preferred.
• Professional well developed interpersonal skills essential for servicing credit union members and projecting a positive image as a representative for the credit union. Approaches others in a tactful manner, reacts well under pressure, accepts responsibility for own actions, and follows through on commitments.
• Requires judgment to apply broader aspects of established practices to situations, which go beyond clear and concise guidelines.
• Ability to communicate over the phone and in writing.
• Knowledge of PC applications including Word and Excel required. Experience with automated core banking system preferred. Experience utilizing smart phone and tablet applications preferred.
• Intermediate mathematical skills required (calculations and concepts involving decimals, percentages, fractions, etc.)