Lead Payment Processor

ABNB Federal Credit Union is dedicated to being the best place you will ever work.

Benefits

• Affordable medical, dental, and vision plans
• Paid time off that begins accruing on your first day
• 11 paid federal holidays each year
• 401(k) matching up to 4% with immediate vesting, plus an additional 2% match with future vesting
• Company-paid short-term, long-term disability, and employee life and AD&D coverage
• Tuition reimbursement benefit
• Competitive pay with opportunities for annual raises and promotions
• Paid community involvement opportunities

A supportive environment which fosters an employee-centric workplace where growth and member relationships are prioritized.

Responsibilities

• ACH Operations & Risk Management: Serves as primary subject matter expert for ACH processing, origination, returns, disputes, reclamations, notifications of change, exceptions, and research requests. Reviews and monitors ACH activity for operational accuracy, fraud prevention, and compliance with NACHA Operating Rules. Assists with operational risk mitigation efforts and provides recommendations for process improvements.
• Instant Payment Operations: Processes and verifies incoming and outgoing wire transfers utilizing dual control procedures. Supports instant payment channels to include RTP, FedNow, and Zelle payment operations. Serves as escalation point for complex requests, operational exceptions, and research items. Assists with wire agreement reviews, operational controls, and staff guidance related to wire processing and instant payment activities.
• Check Processing & Exception Management: Reviews and processes ATM, RDC, and check exception items. Completes adjustments, returns, holds, research requests, and balancing activities. Assists in resolving complex operational issues and identifying opportunities for process improvement.
• Operational Leadership & Knowledge Resource: Serves as the department subject matter expert for payment operations. Provides day-to-day guidance, mentoring, and training to processors and business partners. Assists with procedure development, documentation maintenance, cross training efforts, and operational readiness initiatives. This role does not have direct supervisory authority or direct reports.
• Compliance & Process Improvement: Maintains expertise in applicable payment regulations, NACHA Operating Rules, Federal Reserve requirements, and internal policies. Participates in audits, examinations, vendor initiatives, testing, and implementation projects. Recommends process enhancements to improve efficiency, accuracy, and risk management.
• Performs other job related duties as assigned.

Requirements

Education: (1) A two-year college degree, or (2) completion of a specialized certification or licensing, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship program. Accredited ACH Professional (AAP) Certification is required.

Experience: Three to five years of similar or related experience.

Skills

• ACH expertise and strong operational oversight is required - advanced knowledge of ACH, wire transfer, and check processing operations.
• Strong understanding of NACHA Operating Rules and applicable payment regulations.
• Knowledge of fraud prevention, operational controls, and payment risk management practices.
• Ability to analyze operational issues and independently resolve complex processing exceptions.
• Strong organizational, communication, and training skills.
• Ability to utilize a PC and related software applications to include working knowledge in Microsoft 365 (Outlook, Teams, SharePoint, PowerPoint, Word, and Excel).
• General knowledge in basic accounting and general ledger balancing principles.
• Problem solving and critical thinking.

Schedule

In office with limited remote.

Physical Requirements

• Ability to sit at a computer and other office related equipment for extended periods of time.
• Ability to lift/carry up to 10 pounds.

Interpersonal Skills

Work involves contact with persons beyond immediate associates regarding routine matters for the purpose of giving or obtaining information which may require some discussion. Outside contacts take the form of service to the public (members or vendors), requiring ordinary courtesy in providing assistance and information.