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

• 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.
• 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.
• 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.
• 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.
• 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.
• Problem Resolution: Identify and resolve issues in payment processing, working closely with internal teams to troubleshoot and ensure timely and accurate resolution.
• Documentation and Compliance: Maintain accurate records, document processes and procedures, and ensure operations comply with internal policies and external regulatory requirements.
• Continuous Improvement: Look for opportunities to enhance process efficiency, reduce errors, and improve service delivery within Payment Operations.
• Training and Professional Growth: Stay abreast with credit union and departmental training by actively engaging in knowledge-building sessions. Pursue self-directed development, cross-training opportunities to elevate expertise in workflow responsibilities. Participate in credit union professional development programs to enhance career progression. Embrace additional responsibilities as assigned, including supporting system validation efforts and contributing to broader departmental initiatives.
• Digital expectation: Identify and propose process optimization, with a digital innovation focus, to enhance the operational performance. Support implementation of digitally focused projects, which include participating in testing new solutions.
• Engagement participation: Foster a positive, inclusive work environment that inspires others through words and actions; motivate other employees by embracing and practicing Golden 1’s mission, vison, and core values.
• Record-Keeping: Maintain organized and detailed records of all interactions, transactions, communications related to workflows, review and update workflow procedures and prepare statistical information to Management.
  

PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASK:

• Strong oral and written communication skills required to train and staff, implement, as approved; procedural recommendations, negotiate vendor contracts and perform other related tasks.
• Must possess sufficient manual dexterity to skillfully operate an online computer terminal and other standard office equipment, including a typewriter, adding machine, personal computer, facsimile machine and telephone.
• Ability to work as part of a team.
  
  

Organizational Contacts & Relationships

• INTERNAL: All levels of staff and management
• EXTERNAL: Members, vendors, Federal Reserve Bank, suppliers, and government agencies.
  
  

Qualifications

• EDUCATION: High School or GED required, associate degree in related filed or equivalent work experience is preferred. Relevant certifications, such as Certified Payments Professional or NACHA certification, are highly desirable.
• EXPERIENCE: 5 years’ experience in cash management, operations, or related financial roles.
• 3 years’ experience either in check processing, ACH processing, Wire processing, Cards, Real Time Payments and/or Treasury Management Implementation.
• KNOWLEDGE / SKILLS:
• Strong attention to detail and accuracy in handling financial transactions.
• Excellent communication and interpersonal skills to foster collaboration across departments and with external partners.
• Ability to multitask and manage time efficiently in a fast-paced environment.
• Demonstrated ability to work well in a team-oriented environment.
• Strong analytical and problem-solving skills, with the ability to assess operational performance and implement improvements effectively.
• Excellent oral, written, and interpersonal communication skills.
• Familiarity with payment processing systems, General Ledger systems, and related technologies.
• In-depth knowledge of ACH processing rules, NACHA regulations, and compliance with federal laws related to bank secrecy and anti-money laundering.
• Proficient computer skills and software experience.
  

Physical Requirements

• Prolonged sitting throughout the workday with occasional mobility required.
• Corrected vision within the normal range.
• Hearing within normal range. A device to enhance hearing will be provided if needed.
• Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.
  
  

Licenses / Certifications

THIS JOB DESCRIPTION PROVIDES AN OVERVIEW OF THE GENERAL SCOPE AND LEVEL OF WORK EXPECTED TO BE PERFORMED, BUT IT IS NOT AN EXHAUSTIVE LIST OF ALL DUTIES OR RESPONSIBILITIES ASSOCIATED WITH THE POSITION. THE CREDIT UNION RESERVES THE RIGHT TO MODIFY, ADD, OR REMOVE DUTIES AS NEEDED WITHOUT ADVANCE NOTICE. EMPLOYEES MAY BE REQUIRED TO PERFORM ADDITIONAL TASKS AND DUTIES AS DIRECTED BY THEIR SUPERVISOR, PROVIDED SUCH TASKS ARE WITHIN THE EMPLOYEE’S KNOWLEDGE, SKILLS, AND ABILITIES, OR CAN BE PERFORMED WITH REASONABLE TRAINING. NOTHING IN THIS JOB DESCRIPTION ALTERS THE AT-WILL EMPLOYMENT RELATIONSHIP OR LIMITS THE CREDIT UNION’S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBILITIES TO THIS POSITION AT ANY TIME.

REV.02/18/2026