Digital Payment Specialist

Our Company

At Raiz FCU, we share a passion for knowledge and the pursuit of growth. Grounded in our El Paso heritage as previously Teachers Federal Credit Union, since 1936, we are growing to help our community move into the future. We are inspired people, invested in you.  At Raiz, we guide our members to focus on what could be and help them get there. This new path inspires us to look ahead and lead the way with passion. We can’t wait for you to join us.

Job Overview

This position reports to the Automated Process Solutions (APS) Digital Payments Supervisor and APS Manager. Main responsibilities include risk monitoring of Digital Payment services; and fraud identification, research, and reporting. Works with services like external transfers, Person-to-Person providers, bill pay, mobile deposit, real-time payment services, and automated teller machines (ATMs).

Evaluates and processes payments within risk thresholds, contacts members to approve high-risk transactions, and completes verification of funds requests. Works to combat forgery of payment items, and processes levies and subpoena requests. Ensures members and team members are promptly and professionally served via phone, email and digital inquiries. This position requires excellent organizational abilities, multi-tasking, attention to detail, accuracy, and efficiency.  Must be resourceful, self-motivated, and make sound and accurate decisions with minimum dependence on supervisors.  You will be an empowering mentor who will be:

• A trusted expert
• A natural communicator
• A champion for our members, team members, and the community
• A guide through the moments that matter the most to our members.

Position Details:

Non-exempt (Hourly)

Hours: Monday-Friday, occasional Saturdays

1241 Pullman Dr, El Paso, Tx 79936

Pay Range:

Grade: 6H

Min: $14.04

Mid: $17.55

Max: $21.06

Skills and Experience

• Education - High school degree or equivalent. Additional business training is helpful.
• Minimum of 1 year of credit union, or financial services, experience to include an understanding of products, services, policies, procedures, and regulations. 3 years of experience is preferred.
• Technical skills acquired on the job.
• Well organized and works with a sense of urgency.
• Attentive to detail, a multi-tasker, and efficient.
• Must have good communication and interpersonal skills.
• Strong professional writing skills.
• Able to operate office machines, including PC, Imaging Systems, telephones, viewers, printers, and other basic machines.
• Strong service orientation with a willingness to assist others at any time.
• Critical thinking and problem-solving skills.
• Strong proficiency in Microsoft Office and web-based applications.

Role Description and Essential Duties

Service: Reviews risk reports and Verafin agent alerts to identify potential fraud through research and member contact, as needed, to verify transactions. Risk reports may be generated by external transfers, person-to-person solutions, bill pay, mobile deposit, and ATMs (this list is not exclusive). Monitors payment queue risk bands and releases funds that meet guidelines or that have been verified. Gathers all necessary documents for fraud cases, and prepares legal packages for pursuing criminal charges, filing insurance claims, and recovering funds; works with various legal agencies and Compliance. Maintains all daily filings, prepares work, and arranges for pick up for proper storage. Works forgeries, levies, and subpoenas ensuring accurate filing and presentation of documentation, and processing of items, maintaining an appropriate level of confidentiality. Works verification of funds requests, from Social Security and Medicare, and others as needed. Settles disputes according to respective rules, federal regulations and Credit Union policy. Assists members and various departments with Digital Payments related questions. Ensures that research functions are completed in accordance with Credit Union policies and procedures. Resolves problems promptly and courteously. Maintains member confidentiality. Balances the appropriate general ledger accounts on a daily basis. Supports and replaces APS personnel as needed.

Quality Assurance: Keeps management informed of area activities and of any significant problems. Assists branches and related departments as needed. Completes special projects as assigned. Keeps work area clean and well maintained. Logs and tracks all fraud instances, and audits logs to ensure timely resolution.

Compliance: Assists with reviewing the Annual ACH Audit for completion, when necessary. Complies with all Bank Secrecy Act (BSA) rules and regulations, in addition to Customer Identification Program (CIP). Attends required annual BSA training and required compliance training.