Payment Specialist I - Physical

At Space Coast Credit Union (SCCU), our members are at the heart of everything we do. Since 1951, we’ve been committed to delivering financial services founded on integrity and a people-first philosophy.

As a Payment Specialist I -Physical you will ensure that members checks and lockbox/mail payments are processed accurately, in a timely manner, and comply with procedural and regulatory standards. This role has a nominal budgetary impact, operates under direct supervision, requiring sound analysis and research skills to determine solutions.

Why Join SCCU?

• Member-Focused Mission: Be part of a not-for-profit organization that reinvests in its members.
• Flexible Schedule Options
• Career Growth: We prioritize internal promotions and offer on-the-job training.

Payments Specialist I-Physical Key Responsibilities:

• Processes all incoming mail deposits and loan payments. Reviews all available account information and verifies the accuracy of each transaction to ensure proper account processing.
• Processes chargebacks in a timely manner to reduce Credit Union exposure to loss.
• Processes debits to members accounts for returned deposit items. Prepares and mails notification package to members.
• Processes deposit batches from SCCU HQ departments through branch capture and reconcile totals for each department’s daily deposit reports.
• Balances monetary instruments and daily work and “cash drawer” to ensure member account integrity.
• Assists with research requests such as proof of payment, copies of checks, and verification of payments.
• Responsible for conducting OFAC reviews and determining the need for further review with BSA.
• Reviews of physical checks for fraudulent activity and reports activity to Fraud Management.
• Ensures compliance with credit union policies and procedures, Federal Reserve Operating Circular 3.
• Remains knowledgeable and current in all aspects of Regulation CC, Regulation D, Regulation E, Bank Secrecy Act, Money Laundering and OFAC compliance. Additional training and certifications will be completed as required.

Payments Specialist I-Physical Requirements:

• High school diploma, GED or equivalent required. 
• 1 year of related experience in check or cash handling.
• Financial institution with specific experience in Item Processing preferred

Payments Specialist I-Physical Compensation:

• Starting Salary: $17.91-$18.97
• Bonus Opportunity: Eligible for ONE SCCU Annual Bonus.

Work Schedule

• Monday – Friday: 7:00 a.m. - 4:00 p.m.
• Onsite at SCCU Baytree Headquarters required.

SCCU Benefits

• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20 days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

About SCCU

Since 1951, Space Coast Credit Union (SCCU) has proudly served our community, growing to over 685,000 members and managing $9 billion in assets. With 67 branches spanning Florida’s east coast, we are the third-largest credit union in the state. In 2025, we expanded into Orange County to better serve the growing East Orlando market.

As a not-for-profit financial institution, SCCU is dedicated to putting our members first. Unlike traditional banks, we return profits to our members through better rates, lower fees, and enhanced services. While we offer the same financial products—like checking, savings, and loans—our focus remains on empowering our members and supporting their financial well-being. With local decision-making and a commitment to exceptional service, we strive to make a meaningful difference in the lives of those we serve.

At SCCU, we also prioritize our team members by fostering a supportive and collaborative environment that encourages career growth and development. As we continue to grow, we are seeking talented, member-focused professionals to join our team and help deliver innovative financial solutions and outstanding service.

I UNDERSTAND this application a legal document for purposes of your employment.  Upon acceptance of an offer with SCCU, I UNDERSTAND that I will be required to complete background, employment verifications, and drug screening.  I UNDERSTAND further that any misstatements or omissions in this application and pre-employment process can be considered falsification and will result in a decision not to hire me, or to discharge me if discovered after I am hired. I UNDERSTAND that the information requested regarding date of birth, race and sex is for the sole purpose of gathering the above information accurately, and will not be used to discriminate against me in violation of any law. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hired.

SCCU is a drug-free workplace. I understand that as a condition of my employment, I will be required to submit to any testing for the presence of drugs, and to submit to any procedure to assess my qualifications for employment.  If hired, I ALSO AGREE that if I am hired, my employment is for no definite time and may be terminated at any time without prior notice.

Salary : $9 - $19