At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week.

We encourage you to become a part of VyStar Credit Union's family of employees.

Electronic Payments Specialist II

ACCOUNTABILITY STATEMENT

Intermediate knowledge of ACH and money movement applications. Responsible for the timely and accurate processing of incoming ACH, ACH Origination, Bill Payer, Account-to-Account and Person-to-Person Payments (External Transfers) and exceptions. Partners with front-line representatives, members, internal support departments and Operations Support for error resolution. First point of escalation within the Electronic Payments team. Ensures activities are in accordance with NACHA Rules, Reg E, VyStar procedures, vendor requirements and other government regulations. Provides training to new hires, existing team members and specialists in other departments. Will assist the leadership group in development projects.

ESSENTIAL RESPONSIBILITIES

Holistic understanding of money movement systems and processes to develop solutions to most production issues.
Performs daily balancing of work posted by data processing systems and processes all posting exceptions of ACH transmission files as prescribed in desk procedures, while adhering to a strict deadline each day. Transmits daily ACH return items as requested by external agencies and members via the core system.
Processes all Written Statement of Unauthorized Debit forms. Maintains documents as required by NACHA Regulations. Researches, processes and prepares written correspondence. Utilizes intermediate knowledge of Reg E and NACHA guidelines to limit liability and recover funds. Will monitor and report any request that is not timely or out of compliance.
Expertise with Treasury regulations to research, process, prepare written correspondence, and post necessary transactions for ACH deceased notifications/reclamations and recalled direct deposits while taking all necessary steps to limit liability.
Responsible for processing automated enrollments (ENRs).
Coordinates the review of ACH origination applications, exposure limit approval process with Business Services and annual training.
Transmits notifications of change notifying ACH financial institutions and companies of incorrectly formatted ACH entries. Will follow-up if originator does not act on request.
Primary resource to complete audit test cases. Compiles data and documents at the request of auditors.
Leads setup of ACH origination clients focusing on resolving issues found in testing and with member utilization of the service.
Accountable for clearance of outstanding items within the Electronic Banking and Payments general ledgers. This includes detailed research and as necessary account adjustments and/or general ledger vouchers. Maintains general ledgers in established tolerances and escalates when out of acceptable parameters.
Other tasks as assigned.
All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.

Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job:

Focus - Focus your full attention by carefully listening to and observing client or member.
Connect - Consistently be friendly and approachable. Demonstrate your care.
Understand - Listen empathetically and ask questions (70%/30% rule).
Counsel - Recommend solutions based on your member’s needs and objectives.
Advance - Ensure that member’s expectations were exceeded.
Verify necessary follow-up actions.

JOB QUALIFICATIONS

EDUCATION

High School Diploma or GED required.
Associate or Bachelor’s Degree preferred.

EXPERIENCE

3 or more years of experience in a financial institution

CERTIFICATIONS

Accredited ACH Professional (AAP) certification is preferred.

KNOWLEDGE, SKILLS & ABILITIES

Intermediate PC skills including Microsoft Word and Excel are required. Must be able to navigate Excel sufficiently to enter and parse data, create pivot tables and report results.
Considerable experience with NACHA regulations including corporate regulation, return guidelines, Federal Treasury payments and origination processes is preferred.
Organized self-starter with excellent analytical, communication and member service skills.
Handle several tasks while working within a deadline quickly and accurately. Ability to prioritize production and non-production tasks is key to timely completion.
Act decisively and proactively when resolving escalated issues based on knowledge and previous experiences.
Expected to participate in projects and/or audits including development, testing, retrieving data and leading minor initiatives.
Daily contact, both verbal and written, with members and VyStar employees.
May have contact with VyStar service vendors in reporting and resolving servicing and processing issues.
Strong communication skills and a professional attitude when dealing with members, co- workers, and service vendors.
Prepare communications and reports for distribution to leadership.

DISCLAIMERS AND WORK ENVIRONMENT

Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management.

The work environment characteristics described are representative of those that an 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.

As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects.

VyStar Credit Union is not seeking outside assistance or accepting unsolicited resumes from staffing agencies or search firms for employment or contractor opportunities. Any resumes submitted by an outside vendor to any employee at VyStar via e-mail, internet, or directly to hiring managers without a valid written search agreement with the Talent Acquisition / HR department will be deemed the sole property of VyStar Credit Union.

No placement fee will be paid if a candidate is hired as a result of the referral, or through other means.

Thank you for your inquiry regarding our current job opening. Your resume will be carefully reviewed against the position requirements. Should your experience and skills match, you will be contacted by one of our Human Resources department staff members.

Thank you again for your interest in this position!

VyStar Credit Union Human Resources