Electronic Payments Specialist I

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 I ACCOUNTABILITY STATEMENT Responsible for the timely processing of day-to-day ACH transactions, ACH Origination, Bill Payer, Account-to-Account and Person-to-Person Payments (External Transfers) and exceptions. Provide guidance and recommendations to the branches and call center for error resolution. Ensures activities are in accordance with NACHA Rules, Reg E, VyStar procedures, vendor requirements and other government regulations. Also tasked with reconciling multiple general ledgers. Job Description ESSENTIAL RESPONSIBILITIES • 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. Researches, processes, prepares written correspondence, and posts necessary transactions to execute Written Statements to comply with Reg E. • Research, process, prepare written correspondence, and posts necessary transactions for ACH deceased notifications/reclamations and recalled direct deposits. • Keys and transmits daily ACH return items for recalled payrolls as requested by external agencies and unpaid debit and credit items via the core system. • Responsible for processing automated enrollments (ENRs). • Coordinates the review of ACH origination applications and exposure limit approval process with Business Services. • First line of support for the ACH system origination to companies and members. Notify the member and companies of corrections to the files. Assist companies with origination software and ensure we maintain proper paperwork. • 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. Researches the Core system and the Federal Reserve account general ledger as needed. • 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. • FocusFocus your full attention by carefully listening to and observing your client or member. • ConnectConsistently be friendly and approachable. Demonstrate you care. • UnderstandListen empathetically and ask questions. (70%/30%) • CounselRecommend solutions based on your client’s or member’s needs and objectives. • AdvanceEnsure that member's expectations were exceeded. Verify necessary follow-up action. JOB QUALIFICATIONS EDUCATION • High School Diploma or GED required. EXPERIENCE • 0 – 2 years of financial institution experience KNOWLEDGE, SKILLS & ABILITIES • Good PC skills including Microsoft Word and Excel are required. Must be able to navigate Excel to enter data and report results. • Experience with NACHA regulations including corporate regulation, return guidelines, Federal Treasury payments and origination processes is preferred. • Ability to prioritize production and non-production tasks to complete all tasks within daily deadlines. • Expected to participate in projects and/or audits including development, testing and retrieving data. • 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