Payment Services Specialist I

What's in it for you?!

• Comprehensive Training & Development: You'll receive e-learning and virtual training, guided by our Learning & Development team, ensuring you're equipped with the knowledge and skills to succeed. Ongoing coaching and mentorship will help you grow into the next phase of your career.

• Career Advancement: This role offers clear growth paths, including opportunities to move into higher-level roles. Your experience with us will not only boost your resume but also position you for future success in the financial industry.

• Full Benefits Package - Enjoy competitive benefits that include:

  • Rotating Saturdays and Sundays off for a healthy work-life balance.
  • Choices of Medical, Dental, Vision, Life and AD&D Insurance.
  • Optional Critical Illness, Accident, and Hospital Indemnity Benefits.
  • 16 hours of paid volunteer time annually to give back to your community.
  • Monthly accruals of vacation and sick time and several paid holidays to recharge and spend time with loved ones.
  • 401k plan with up to 7% employer match to help you secure your future.?
  • Tuition reimbursement for continued education and personal growth.

• Member-Centric Focus: At the heart of what we do is our commitment to serving our members. You'll be part of a team that makes a positive impact on their financial well-being, creating meaningful experiences and solutions tailored to their needs.

• Fun, Engaging Workplace: Beyond the work, we offer an inclusive culture where team bonding is key—whether it’s enjoying endless coffee or participating in our frequent potlucks.

The Basics as a Payment Services Specialist I:

• Schedule: Monday - Friday, 8:00 am - 5:00 pm; Flexibility required - as there may be a need to work an adjusted shift of 7:30 AM to 4:30 PM. Extended hours, based on company needs
• Hybrid Position - After the initial training period, a hybrid work model will become an option. You will be requested to work 3 days on-site and 2 days remote. Allowing for a blend of remote and onsite work based on performance and departmental needs.
• Location: Headquarters – Austin, TX

About the Role

Are you detail-oriented, curious, and interested in learning how payments move behind the scenes at a financial institution? Do you enjoy researching transactions, solving problems, and making sure the details are right?

As our Payment Services Specialist I, you'll support the day-to-day operations that keep member payments moving accurately and efficiently. This is a developing payments operations role where you'll build experience across multiple payment functions, including ACH, wires, mobile RDC and ATM deposits, share drafts, returns, and other payment services.

You'll process routine transactions, research payment activity, resolve operational exceptions within your authority, and learn when to escalate more complex or higher-risk situations. Along the way, you'll develop valuable knowledge of payment-system controls, regulatory requirements, transaction risk, processing deadlines, and exception management.

What We’re Looking For

We're looking for someone who combines strong attention to detail with problem-solving skills and a willingness to learn. You'll be comfortable following established procedures and internal controls while researching transactions, communicating clearly, and managing time-sensitive processing responsibilities.

This is a great opportunity for someone with financial services, operations, or payment-processing experience who wants to deepen their knowledge of money movement and build a career in payments. The role requires at least one year of relevant financial services, operations, or payment-processing experience.

If you're a collaborative team player who enjoys digging into the details, learning new processes, and helping deliver a reliable member experience, we'd love to hear from you!

What’s In It For You

• Build specialized knowledge across multiple payment functions
• Gain hands-on experience with ACH, wires, RDC/ATM deposits, share drafts, and returns
• Cross-train across Payments Services as your proficiency grows
• Develop knowledge of payment controls, fraud prevention, and regulatory requirements
• Work alongside experienced payments professionals
• Opportunity to identify process improvements and contribute to department efficiency
• Career growth within a stable financial institution

Key Responsibilities

• Process assigned ACH activities, including routine processing support, forms, returns, load errors, exception handling, and transaction research.
• Review and process mobile RDC and ATM deposits, including routine approve, reject, and hold decisions within assigned authority.
• Process share draft in-clearing, Pay/No Pay items, return checks, return ECM payments, load errors, and basic check adjustments.
• Review and post incoming wires and assist with wire research, documentation, and exception handling.
• Support other payment functions such as Bill Pay research, foreign collection items, new-account opening funding, member coupons or credits, payment-related forms, and operational exceptions.
• Assist with member and staff payment inquiries, research transaction activity, document findings, and escalate complex or higher-risk exceptions when appropriate.
• Maintain accurate documentation and complete processing and reporting within required deadlines and service expectations.
• Follow established dual-control, verification, fraud prevention, OFAC, BSA/AML, and payment-related controls.
• Cross-train on additional Payments Services functions and provide department coverage as proficiency develops.
• Identify recurring processing issues and opportunities for improvement and communicate them to senior team members or management.

Other Duties

• Comply with the credit union's Bank Secrecy Act (BSA), Anti-Money Laundering, and Member Due Diligence requirements.
• Complete required BSA, compliance, career development, and other assigned training.
• Perform additional duties as assigned to support the Payments Services team.

Must Haves as a Payment Services Specialist I

• 1+ year of relevant financial services, operations, or payment-processing experience
• Strong attention to detail and transaction research skills
• Effective problem-solving abilities
• Strong written and verbal communication skills
• Basic data analysis skills
• Ability to follow documented procedures and internal controls
• Ability to develop working knowledge of payment-processing rules, regulatory requirements, operational controls, processing deadlines, and exception-handling requirements
• High school diploma or equivalent

Nice to Haves as a Payment Services Specialist I

• 1–2 years of Money Movement experience
• Exposure to Fiserv DNA, payment-processing platforms, Verafin, or similar financial systems
• Associate's degree and/or payments-related coursework