Payment Services Specialist

Pioneer FCU offers a complete benefits package to all team members that includes, but not limited to:

• An excellent compensation package starting at $19.25 (DOE)
• An 8% Employer Matching dollar-for-dollar 401(k) program after Year One
• Health, dental and vision insurance
  • Pioneer pays a minimum of 80% of the premiums for team members AND dependents
• 12 paid holidays including day after Thanksgiving for Team Member Appreciation Day
• Accrue up to 16 days of Paid Time Off in Year One, plus Birthday and Work Anniversary Floating Holidays
  • PTO accrual increases with Pioneer seniority
• Up to $300 in Interest-free Wardrobe Salary Advance available on Day One!
• Up to $2,000 in Interest-free Technology Salary Advance
• Up to $1,000 Interest-free Wellness Advance to purchase gym membership, Peloton, or any exercise equipment
• Up to $2,300 in Tuition reimbursement per semester
• Childcare reimbursement up to $100 per child per month
• So much more!

As a progressive financial institution, we are seeking a dynamic and enthusiastic individual to fulfill the role of Payment Services Specialist at our Mountain Home Administrative Office.  Candidates must be eligible for membership at Pioneer to obtain employment.

Pioneer Federal Credit Union (Pioneer) takes our organization culture seriously, and every team member understands it is their responsibility to be a brand champion who plays a critical role in driving our members, business partners, (internal and external), and their families to stronger financial futures. A part of everyone’s role is to demonstrate a commitment to Pioneer’s vision and mission, embody our core values and behaviors, and proactively contribute to our credit union’s growth and progress/

The Payment Services department is a very diverse department focusing on many areas of payment processing within the credit union. Some of those areas include Automated Clearing House (ACH), Drafts, Wires, Remote Deposit Checks, Zelle, Instant Pay, Debit Card and Credit Card transactions, as well as Instant Issue cards. The Payment Services department also provides back-office support for team members and branches, research, new starts and check payments received in the mail.

The Payment Services Specialist is responsible for performing a variety of daily payment processing, research, balancing, dispute, and operational functions. Responsibilities may include ACH processing, drafts, wires, RDC, Zelle, debit and credit card activity, disputes, general ledger balancing, card services, and other Payment Services functions.

The Payment Services Specialist is expected to develop a working knowledge of all areas within the department and provide cross-functional support based on operational needs. Individual specialists may have primary areas of responsibility; however, cross-training and department coverage are essential components of the position. The Payment Services Specialist will perform assigned responsibilities accurately and timely and will work with limited supervision once appropriately trained.

Essential Functions and Responsibilities:

• Payment Processing and Operations: Perform assigned daily Payment Services processing functions, which may include ACH payroll and exception files, ACH origination, payroll transfers, drafts, wires, Remote Deposit Checks, Zelle, general ledger balancing, IRDs, and other payment-related processing. Complete assigned processing accurately and within established deadlines. Research and resolve processing exceptions, discrepancies, rejected items, balancing differences, and other issues identified during daily processing. Utilize applicable internal and external systems necessary to complete Payment Services functions and maintain appropriate documentation.
• Disputes, Research, and Investigations: Process payment disputes presented by members, including, but not limited to, debit card, credit card, Zelle, Instant Pay, draft, ACH, and Remote Deposit Check Disputes. Validate required information, create and maintain dispute cases, conduct preliminary research and investigations using available internal and external systems, and determine the appropriate course of action in accordance with established procedures. Input and track disputes to ensure cases are processed accurately and within applicable timeframes. Provide and remove provisional credit when appropriate and completed required notices and correspondence in accordance with Regulation E and other applicable requirements. Research fraudulent or potentially unauthorized payment activity and escalate concerns in accordance with established procedures.
• Member, Branch, and Department Support: Serve as back-office support for branches, departments, team members, and members regarding Payment Services functions. Respond to calls, instant messages, emails, and other inquiries involving ACH, drafts, wires, cards, disputes, RDC, Zelle, Instant Pay, and other payment related matters. Research and resolve internal and member inquiries in a timely, professional, friendly, and accurate manner. Contact members when necessary to obtain information, resolve payment-related issues, address account concerns, or complete Payment Services functions.
• Department Operations and Support: Perform additional Payment Services operational duties as assigned, which may include calling members regarding negative accounts balances; New Starts; posting checks received by mail or designated accounts or loans; closing or chasing off accounts as assigned; Instant Issue card stock ordering, balancing, maintenance, and distribution; issuing cards to be mailed to members; maintaining applicable card travel information; assisting with audit documentation and research; and other department processing or administrative responsibilities. 
• Cross-Training and Department Coverage: Train and maintain working knowledge in other areas of the Payment Services Department to provide appropriate backup and operational coverage. Maintain an understanding of how Payment Services functions interact with one another, including the relationship between payment processing, disputes, fraud, member service, and regulatory requirements. Provide flexible departmental coverage as business needs require.
• Other Responsibilities: Assist in all areas assigned to Payment Services and perform other job-related duties as assigned by the Payment Services Manager, Lead Payment Services Specialist, or other authorized management.

Experience: One year to three years of similar or related experience. 

 
Education: A high school education or GED. 

 
Interpersonal Skills: Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication. 

 
Other Skills: Must have good communication skills. 10-key calculator, typewriter, and keyboard skills. 

 
Physical Requirements: Very light physical effort. Typical of most office jobs. Work in comfortable positions. 

 
Work Environment: Normal light, heat, air, and space in work environment. 
 

Salary : $100