Check Payments Specialist

Who We Are

We're in the business of people helping people, and you can help us make an impact on our members’ lives and in your community. Whether it’s helping a member make a transaction, buy their first home, or improve their financial wellness one step at a time – you have an impact on their lives just by working here, no matter what your position may be. Work with us – and be part of something bigger than banking.

About The Position

As a Check Payments Specialist, you will serve as a subject matter expert for check processing operations and payment services across the credit union. You'll support the accurate processing, reconciliation, exception handling, and resolution of check-related transactions while ensuring compliance with regulations and internal policies. This role partners closely with branches, support departments, vendors, and external partners to maintain efficient operations and deliver exceptional service to members and employees.

Position Type: Full-Time

Compensation Range: $20.00/hr. - $22.00/hr. *Hiring rates may be dependent on a number of factors, including years of directly related work experience, education, geographic location or special skills*

Location: On-site at our headquarters in Endwell, NY.

Responsibilities

• Process and reconcile check transactions across multiple channels, including teller, ATM, Remote Deposit Capture (RDC), and OnUs processing.
• Utilize Check 21 systems to prepare, validate, and transmit image cash letters while ensuring critical processing deadlines are met.
• Research, investigate, and resolve check-related disputes, exceptions, fraudulent activity, and member inquiries.
• Ensure compliance with credit union policies, Regulation CC, Uniform Commercial Code requirements, and Federal Reserve operating procedures.
• Provide guidance and support to branches and internal departments on check processing procedures, policies, and operational issues.
• Partner with internal teams, vendors, and external partners to support system enhancements, operational improvements, and check-related projects.
• Assist with internal and external audit requests and support risk management initiatives.
• Provide backup operational support and adapt to changing priorities, responsibilities, and business needs.

What Success Looks Like

• Check processing activities are completed accurately, efficiently, and within established deadlines.
• Member and operational issues are researched thoroughly and resolved in a timely manner.
• Compliance requirements and operational controls are consistently followed and maintained.
• Branches and support departments view you as a knowledgeable and reliable resource for check-related questions and concerns.
• Opportunities for process improvement are identified and implemented to strengthen operational effectiveness.
• Strong partnerships are maintained with internal teams, vendors, auditors, and external business partners.
• Operational disruptions and processing exceptions are minimized through proactive monitoring and problem solving.

Requirements

• Check processing activities are completed accurately, efficiently, and within established deadlines.
• Member and operational issues are researched thoroughly and resolved in a timely manner.
• Compliance requirements and operational controls are consistently followed and maintained.
• Branches and support departments view you as a knowledgeable and reliable resource for check-related questions and concerns.
• Opportunities for process improvement are identified and implemented to strengthen operational effectiveness.
• Strong partnerships are maintained with internal teams, vendors, auditors, and external business partners.
• Operational disruptions and processing exceptions are minimized through proactive monitoring and problem solving.

Preferred Qualifications

• Associate degree.
• 2–3 years of financial services, payments, operations, or office administration experience.
• Experience with check processing, reconciliation, exception handling, or payment operations.
• National Check Professional (NCP) certification.
• Knowledge of Check 21 processing, Regulation CC, Uniform Commercial Code requirements, or related payment regulations.

At this time, Visions Federal Credit Union will not sponsor a new applicant for employment authorization or offer any immigration related support for this position.

Benefits

• Retirement benefits – pension plan, 401(k) with employer match
• Excellent health benefits – medical, dental, vision, and supplemental coverage
• Flexible Paid Time Off (PTO), Volunteer Time Off (VTO), and Wellness Time Off (WTO)
• 10+ paid holidays per year
• Lifestyle Spending Account (LSA) stipend for wellness, caregiving, or personal expenses such as student loan repayment and tuition reimbursement
• Employee recognition program
• and more!

Mission and Values

Our mission is to MAKE VISIONS MATTER. To our members, we will provide value and relevance. To our employees, we will be a premier organization and provide opportunities for career advancement. To our community, we will be a leader and provide a positive impact.

At Visions, we’re an organization with Integrity that builds Community, provides exceptional Service to all, and continually strives to earn your Trust. We make Visions matter. You can, too.