E-Payments Analyst
Credit Union of Texas
Date: 22 hours ago
City: Allen, Texas
Contract type: Full time
Job Details
Description
Position Purpose and Objectives
Under moderate supervision, the E-Payments Analyst is responsible for performing daily processing and support tasks within the E-Payments department. This role requires familiarity with ACH, Wire Transfer, and Items Processing, along with the ability to thrive in a fast-paced, team-oriented, and production-driven environment. The ideal candidate has prior operations experience in payments processing, and a strong willingness to learn and adapt. A positive, can-do attitude is essential for success in this role.
Major Duties And Essential Functions
Specific Knowledge, Skills, And Abilities Required For This Position:
We are seeking a detail-oriented and service-driven professional to join our team as an E-Payments Analyst. The ideal candidate will have a strong focus on accuracy, efficiency, and customer service, with prior experience in electronic payments and financial operations preferred.
Key Responsibilities:
Experience: Minimum 1-2 years or more of similar or related experience.
Physical Activities And Requirements Of This Position
CATEGORY
DESCRIPTION
Finger Dexterity
Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.
Grasping
Using fingers and palm on an object.
Talking
Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.
Repetitive Motions
Movements frequently and regularly required using the wrists, hands, and/or fingers.
Average Hearing
Able to hear average or normal conversations and receive ordinary information.
Average Visual Abilities
Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.
Sedentary Work
While performing the duties of this job, the employee will frequently talk or hear, sit, use hands to handle or feel, and reach with hands or arms. The employee will occasionally, stand and walk, climb or balance, and stoup, kneel, crouch, or crawl. The employee will occasionally lift and move up to 10 pounds.
Working Conditions of this Position
DESCRIPTION
None. No hazardous or significantly unpleasant conditions.
Mental Activities And Requirements Of This Position
Reasoning Ability: The ability to use common sense or logic.
Detailed
Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Mathematical Ability: The level of ability required to perform math skills and operations.
Basic
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
Language Ability: The level of ability required to communicate and understand written and oral language.
Typical
Ability to use passive vocabulary of 7,000-9,000 words; read at a fast-paced rate; and define unfamiliar words in dictionaries for meaning, spelling, and pronunciation. Ability to write moderate to complex documents. Ability to communicate in complex sentences, using normal word order with present and past tenses and strong vocabulary. Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to prescribed style and format. Ability to effectively present information to top management, public groups, and/or boards of directors.
Compliance requirement
The responsibilities contained within this job description remains compliant with NACHA Operating Rules and Guidelines, Regulation E, Regulation CC, Regulation J, Uniform Commercial Code 4A, Bank Secrecy Act / Anti-Money Laundering, Office of Foreign Assets Control and USA PATRIOT Act as they apply to the duties of the position.
Disclaimer
The information in this job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job, which may vary on the department or the assignment. The actual essential duties, responsibilities and qualifications may vary by department, reporting structure and other business needs. No inference should be drawn that a specific job duty, responsibility or qualification is non-essential by its absence from this description.
Description
Position Purpose and Objectives
Under moderate supervision, the E-Payments Analyst is responsible for performing daily processing and support tasks within the E-Payments department. This role requires familiarity with ACH, Wire Transfer, and Items Processing, along with the ability to thrive in a fast-paced, team-oriented, and production-driven environment. The ideal candidate has prior operations experience in payments processing, and a strong willingness to learn and adapt. A positive, can-do attitude is essential for success in this role.
Major Duties And Essential Functions
- Perform daily processing tasks within the E-Payments department, meeting all internal deadlines. Responsibilities rotate across various processing channels including: ACH, Wire Transfers, Check Processing, Remote Deposit Capture (RDC), Zelle, and Payroll Deduction.
- Complete all assigned tasks promptly while adhering to service level goals and compliance standards.
- Provide outstanding service to both internal team members and external members. Respond to phone calls and emails related to E-Payments inquiries with professionalism, empathy, and accuracy.
- Enter direct payments (ACH external or internal transfers) in a timely manner for member loan and lease payments. Offer support and guidance to members and staff regarding these transactions, which may require detailed research.
- Assist members and staff with questions or issues related to payments initiated through Online Banking or Mobile Services. Research and resolve issues as necessary to ensure member satisfaction.
- Process returned items promptly to ensure accurate reversal of payments or deposits. This includes reversing loan payments, debiting member accounts for returned electronic debits, and handling unpaid check deposits.
- Ensure daily general ledger entries are completed accurately according to established procedures. Review and balance all settlement reports.
- Support E-Payments management in balancing ACH files and identifying outages or discrepancies.
Specific Knowledge, Skills, And Abilities Required For This Position:
We are seeking a detail-oriented and service-driven professional to join our team as an E-Payments Analyst. The ideal candidate will have a strong focus on accuracy, efficiency, and customer service, with prior experience in electronic payments and financial operations preferred.
Key Responsibilities:
- Process ACH transactions, wire transfers, and check payments in a timely and accurate manner.
- Ensure compliance with internal policies and regulatory requirements related to electronic payments.
- Monitor transaction queues and address exceptions or errors promptly.
- Deliver excellent customer service while assisting internal and external members.
- Communicate clearly and concisely in both written and verbal formats.
- Handle confidential and sensitive financial information with discretion.
- Escalate issues to the ACH/Wires & E-Payments Management or Supervisor when appropriate.
- Work effectively under pressure and remain focused through frequent interruptions.
- Defuse tense situations and communicate professionally with individuals of varying personalities.
- Collaborate with team members to ensure smooth daily operations.
- Maintain a positive, proactive attitude in a fast-paced environment.
- Previous experience in ACH, wire, or check processing is a plus.
- Moderate computer and technology proficiency.
- Excellent customer service skills and a genuine desire to help others.
- Strong multitasking skills and attention to detail.
- Good judgment and discretion when handling confidential information.
Experience: Minimum 1-2 years or more of similar or related experience.
Physical Activities And Requirements Of This Position
CATEGORY
DESCRIPTION
Finger Dexterity
Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.
Grasping
Using fingers and palm on an object.
Talking
Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.
Repetitive Motions
Movements frequently and regularly required using the wrists, hands, and/or fingers.
Average Hearing
Able to hear average or normal conversations and receive ordinary information.
Average Visual Abilities
Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.
Sedentary Work
While performing the duties of this job, the employee will frequently talk or hear, sit, use hands to handle or feel, and reach with hands or arms. The employee will occasionally, stand and walk, climb or balance, and stoup, kneel, crouch, or crawl. The employee will occasionally lift and move up to 10 pounds.
Working Conditions of this Position
DESCRIPTION
None. No hazardous or significantly unpleasant conditions.
Mental Activities And Requirements Of This Position
Reasoning Ability: The ability to use common sense or logic.
Detailed
Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Mathematical Ability: The level of ability required to perform math skills and operations.
Basic
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
Language Ability: The level of ability required to communicate and understand written and oral language.
Typical
Ability to use passive vocabulary of 7,000-9,000 words; read at a fast-paced rate; and define unfamiliar words in dictionaries for meaning, spelling, and pronunciation. Ability to write moderate to complex documents. Ability to communicate in complex sentences, using normal word order with present and past tenses and strong vocabulary. Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to prescribed style and format. Ability to effectively present information to top management, public groups, and/or boards of directors.
Compliance requirement
The responsibilities contained within this job description remains compliant with NACHA Operating Rules and Guidelines, Regulation E, Regulation CC, Regulation J, Uniform Commercial Code 4A, Bank Secrecy Act / Anti-Money Laundering, Office of Foreign Assets Control and USA PATRIOT Act as they apply to the duties of the position.
Disclaimer
The information in this job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job, which may vary on the department or the assignment. The actual essential duties, responsibilities and qualifications may vary by department, reporting structure and other business needs. No inference should be drawn that a specific job duty, responsibility or qualification is non-essential by its absence from this description.
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