Payment Product Specialist
under maybe "About the role"? The instruction: use
for section headings (e.g. About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule). Use - for any list of duties/requirements/benefits, and
for prose. Do NOT repeat the job title as a heading (the page already shows it) and do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short
or drop it. Preserve ALL substantive information; do NOT invent or summarize away detail. Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. IMPORTANT: include a section ONLY when the posting has real, specific content for it — never emit a heading followed by filler/placeholder text (e.g. "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless the posting actually states them. Prefer a few substantive sections over many thin ones. Output ONLY the HTML fragment — no /, no markdown code fences.
We need to decide which sections to include. The posting includes:
- Description (intro) about role: "Redwood Credit Union is seeking a Payments Product Specialist who will manage and optimize..." This is prose.
- Key Responsibilities: a list of bullet points (starting with "Drive Member usage..." etc). Should be under
Responsibilities
with - .
- Other Functions: also list of bullet points (Analyze the efficiency..., Support departmental..., Assist with preparing...). Could be part of Responsibilities or separate? Might combine but we can keep as part of Responsibilities or separate "Other Functions". The instruction: prefer few substantive sections over many thin ones. Could merge Other Functions into Responsibilities as they are also duties. But they are labeled "Other Functions". Might be okay to keep as part of Responsibilities.
- Minimum Qualification: Knowledge, Skills and Abilities: list of items (Knowledge of applicable laws..., Experience and ability..., Excellent collaboration..., Ability to plan..., Excellent analytical..., Strong understanding...). This is qualifications/requirements. Could be under
Requirements
or Qualifications
. The instruction includes both Requirements and Qualifications as possible headings. We need to decide which to use. Since it's labeled "Minimum Qualification: Knowledge, Skills and Abilities", we could use Qualifications
. Or Requirements. Probably Qualifications.
- Preferred Qualifications: list of items (Experience directly supporting..., Experience working..., Experience with data analytics..., Experience with business development..., The ideal candidate has a combination...). This is also qualifications but preferred. Could be under same Qualifications section with subheadings? But we should not create thin sections. Could combine Minimum and Preferred into one Qualifications section with maybe separate for minimum and preferred? But we need to preserve all substantive info. Could do
Qualifications
then Minimum Qualification: ...
then for list? Actually the minimum qualification includes a list of items separated by periods. Could turn each into - . Similarly preferred qualifications list.
- Compensation: Base starting range: $94,082 to $123,949 annually commensurate with experience. Then paragraph about base salary starting range based on scope... Then "We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits." Then "Redwood Credit Union offers a robust benefits package to our eligible employees including:" then bullet list of benefits. So we have Pay and Benefits sections. The instruction: never create Pay/Schedule/Benefits sections unless the posting actually states them. The posting does state compensation and benefits, so we can include Pay and Benefits sections. However we need to avoid filler like "commensurate with experience" which is placeholder? The instruction says never emit a heading followed by filler/placeholder text (e.g. "commensurate with experience", "not specified", "N/A", "varies", "TBD"). That means we should not have a Pay section that only contains "commensurate with experience" as the content. But we have actual numbers: $94,082 to $123,949 annually. That's substantive. So we can include Pay section with that range and maybe the explanatory sentence. The instruction: prefer a few substantive sections over many thin ones. So we could have Pay and Benefits sections.
- Schedule: Not mentioned besides "This position is 100% onsite in Napa, CA." That's location, not schedule. No schedule info (like full-time, hours). So we should not create Schedule section.
- About the role: Could be a section but we already have intro paragraph. Could put that under
About the role
with . That seems appropriate.
Thus sections: About the role, Responsibilities, Qualifications, Pay, Benefits.
We need to ensure we don't repeat job title. No Job ID.
We need to remove boilerplate: EEO, equal opportunity, scam warning, internal team members instructions, visa transfers, etc. Also remove "Join us and discover why you'll love working at Redwood Credit Union!" maybe that's promotional but could be kept? It's not boilerplate but it's a call to action; maybe we keep as part of About the role? It's not substantive about role; but it's not boilerplate. However instruction: Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. The "Join us..." is not those; it's a promotional line. Could keep but maybe it's fluff. Safer to keep as part of About the role? It's not about role specifics. Might be considered filler. I'd remove it.
Also remove "Physical Requirements:" etc? That's substantive? It's about physical requirements; could be considered part of Qualifications? Might be considered a requirement but not listed under Minimum Qualification. Could include under Qualifications as a bullet? But it's not in the Minimum Qualification list. It's a separate section. Should we include? It's substantive info about physical requirements. The instruction: Preserve ALL substantive information; do NOT invent or summarize away detail. So we should keep it. Where to place? Could be under Qualifications as a subsection? Or we could create a separate section "Physical Requirements". But we prefer few sections; maybe we can add a
under Qualifications after the lists. Or we could create a separate section "Physical Requirements" but that would be thin. Better to incorporate into Qualifications as a
paragraph.
Also "Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position." That's a note about sponsorship; could be considered minor metadata; we could fold into a short
maybe under Qualifications or at end. It's not boilerplate; it's a specific condition. Could keep as a short
.
Also "Internal Team Members: If you are a current Team Member, please apply through the internal careers page located in RCUNET." That's application instruction; remove.
Also "We are an Equal Opportunity Employer" remove.
Now we need to format.
We'll produce:
About the role
Redwood Credit Union is seeking a Payments Product Specialist who will manage and optimize Redwood Credit Union's payment products and services with a focus on driving Member adoption, portfolio growth, operational efficiency, and exceptional Member experiences. This results-driven team member will support the strategic development, implementation, and ongoing management of debit cards, credit cards, digital wallets, person-to-person and account-to-account payments, real-time payments, card controls, rewards, and emerging payment technologies. The Payments Product Specialist will leverage data analytics, market intelligence, and Member insights to identify opportunities for growth, improve product performance, and enhance product delivery. This role serves as a liaison between internal stakeholders, payment networks, processors, and third-party vendors to ensure products remain competitive, compliant, and aligned with organizational goals. This position is 100% onsite in Napa, CA.
Responsibilities
- Drive Member usage and acquisition of defined payment channels.
- Educate, promote, and develop programs that drive growth and usage of payments products and services.
- Maintain working knowledge of RCU's payment products and services, including debit cards, credit cards, digital wallets, P2P solutions, account-to-account transfers, rewards programs, and emerging payment technologies.
- Analyze payment portfolio and product performance, utilization, transaction trends, and Member engagement metrics to identify growth opportunities, evaluate alternatives and recommend product enhancements to reduce Member friction and enhance Member experience.
- Drive the launch and ongoing management of payment product initiatives, enhancements, and promotional campaigns.
- Independently analyze portfolio and transaction data to develop, prioritize, and present recommendations to drive usage, adoption, and Member engagement.
- Support payment product awareness and adoption throughout the organization and communities.
- Monitor industry trends, competitor offerings, and emerging technologies; assess business impacts and recommend strategic product enhancements, functionality improvements, and innovation opportunities.
- Lead or coordinate the evaluation and implementation of new payment products and services, including pilot programs and strategic initiatives by assessing business needs and operational impacts, and providing recommendations to leadership.
- Develop and present business cases, cost-benefit analyses, vendor evaluations, and executive-level recommendations used by management to inform decisions.
- Analyze Member feedback, operational impacts, vendor performance and business results to identify issues, evaluate corrective actions, and recommend opportunities for continuous improvement.
- Collaborate with business partners throughout the organization to develop data driven recommendations to support product decisions.
- Work closely with Risk, Compliance, and Enterprise Fraud teams to ensure payment products operate within regulatory and organizational requirements.
- Monitor third-party vendor performance and standards; identify operational or service issues, evaluate potential solutions and provide recommendations for improvement, in support of vendor due diligence reviews.
- Analyze the efficiency of current procedures and recommend process improvements.
- Support departmental projects and cross-functional initiatives.
- Assist with preparing presentations, reporting, and executive communications.
Qualifications
Minimum Qualification: Knowledge of applicable laws, regulations, and network rules impacting payments, including, but not limited to Regulation E, Regulation Z, UDAAP, PCI DSS requirements, card network operating regulations, BSA, Patriot Act, and OFAC. Experience and ability to drive growth and usage of payments products and services. Excellent collaboration and communication skills, with the ability to work effectively across departments, with external partners, and the community. Ability to plan and deliver internal and external presentations. Excellent analytical, problem-solving, critical thinking, and decision-making skills, with the ability to evaluate alternatives and recommend solutions to complex business issues. Strong understanding of consumer and business payment products, card programs, and payment ecosystems.
Preferred Qualifications: Experience directly supporting payment products, card portfolios, digital payment solutions, or payment operations within a financial institution. Experience working with payment systems, fintech partners, or payment-related vendors. Experience with data analytics, reporting, business case development, and product performance measurement. Experience with business development and/or sales of financial services. The ideal candidate has a combination of education or experience equivalent to a bachelor’s degree in business administration, marketing, or closely related field, with a minimum of five years’ experience in financial services.
Physical Requirements: Ability to stand, bend, stoop, sit, walk, twist, and turn. Ability to lift up to 15 pounds. Ability to use a computer keyboard and calculator. Work environment is indoors; majority of the time is spent sitting at
for prose. Do NOT repeat the job title as a heading (the page already shows it) and do NOT put Job ID / requisition numbers as headings — fold minor metadata into a short
or drop it. Preserve ALL substantive information; do NOT invent or summarize away detail. Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. IMPORTANT: include a section ONLY when the posting has real, specific content for it — never emit a heading followed by filler/placeholder text (e.g. "commensurate with experience", "not specified", "N/A", "varies", "TBD") and never create Pay/Schedule/Benefits sections unless the posting actually states them. Prefer a few substantive sections over many thin ones. Output ONLY the HTML fragment — no /, no markdown code fences. We need to decide which sections to include. The posting includes: - Description (intro) about role: "Redwood Credit Union is seeking a Payments Product Specialist who will manage and optimize..." This is prose. - Key Responsibilities: a list of bullet points (starting with "Drive Member usage..." etc). Should be under
Responsibilities
with- .
- Other Functions: also list of bullet points (Analyze the efficiency..., Support departmental..., Assist with preparing...). Could be part of Responsibilities or separate? Might combine but we can keep as part of Responsibilities or separate "Other Functions". The instruction: prefer few substantive sections over many thin ones. Could merge Other Functions into Responsibilities as they are also duties. But they are labeled "Other Functions". Might be okay to keep as part of Responsibilities.
- Minimum Qualification: Knowledge, Skills and Abilities: list of items (Knowledge of applicable laws..., Experience and ability..., Excellent collaboration..., Ability to plan..., Excellent analytical..., Strong understanding...). This is qualifications/requirements. Could be under
Requirements
orQualifications
. The instruction includes both Requirements and Qualifications as possible headings. We need to decide which to use. Since it's labeled "Minimum Qualification: Knowledge, Skills and Abilities", we could useQualifications
. Or Requirements. Probably Qualifications. - Preferred Qualifications: list of items (Experience directly supporting..., Experience working..., Experience with data analytics..., Experience with business development..., The ideal candidate has a combination...). This is also qualifications but preferred. Could be under same Qualifications section with subheadings? But we should not create thin sections. Could combine Minimum and Preferred into one Qualifications section with maybe separatefor minimum and preferred? But we need to preserve all substantive info. Could do
Qualifications
thenMinimum Qualification: ...
then- for list? Actually the minimum qualification includes a list of items separated by periods. Could turn each into
- . Similarly preferred qualifications list.
- Compensation: Base starting range: $94,082 to $123,949 annually commensurate with experience. Then paragraph about base salary starting range based on scope... Then "We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits." Then "Redwood Credit Union offers a robust benefits package to our eligible employees including:" then bullet list of benefits. So we have Pay and Benefits sections. The instruction: never create Pay/Schedule/Benefits sections unless the posting actually states them. The posting does state compensation and benefits, so we can include Pay and Benefits sections. However we need to avoid filler like "commensurate with experience" which is placeholder? The instruction says never emit a heading followed by filler/placeholder text (e.g. "commensurate with experience", "not specified", "N/A", "varies", "TBD"). That means we should not have a Pay section that only contains "commensurate with experience" as the content. But we have actual numbers: $94,082 to $123,949 annually. That's substantive. So we can include Pay section with that range and maybe the explanatory sentence. The instruction: prefer a few substantive sections over many thin ones. So we could have Pay and Benefits sections.
- Schedule: Not mentioned besides "This position is 100% onsite in Napa, CA." That's location, not schedule. No schedule info (like full-time, hours). So we should not create Schedule section.
- About the role: Could be a section but we already have intro paragraph. Could put that under
About the role
with. That seems appropriate. Thus sections: About the role, Responsibilities, Qualifications, Pay, Benefits. We need to ensure we don't repeat job title. No Job ID. We need to remove boilerplate: EEO, equal opportunity, scam warning, internal team members instructions, visa transfers, etc. Also remove "Join us and discover why you'll love working at Redwood Credit Union!" maybe that's promotional but could be kept? It's not boilerplate but it's a call to action; maybe we keep as part of About the role? It's not substantive about role; but it's not boilerplate. However instruction: Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. The "Join us..." is not those; it's a promotional line. Could keep but maybe it's fluff. Safer to keep as part of About the role? It's not about role specifics. Might be considered filler. I'd remove it. Also remove "Physical Requirements:" etc? That's substantive? It's about physical requirements; could be considered part of Qualifications? Might be considered a requirement but not listed under Minimum Qualification. Could include under Qualifications as a bullet? But it's not in the Minimum Qualification list. It's a separate section. Should we include? It's substantive info about physical requirements. The instruction: Preserve ALL substantive information; do NOT invent or summarize away detail. So we should keep it. Where to place? Could be under Qualifications as a subsection? Or we could create a separate section "Physical Requirements". But we prefer few sections; maybe we can add a
under Qualifications after the lists. Or we could create a separate section "Physical Requirements" but that would be thin. Better to incorporate into Qualifications as a
paragraph. Also "Redwood Credit Union is not offering Visa transfers and/or sponsorships for this position." That's a note about sponsorship; could be considered minor metadata; we could fold into a short
maybe under Qualifications or at end. It's not boilerplate; it's a specific condition. Could keep as a short
. Also "Internal Team Members: If you are a current Team Member, please apply through the internal careers page located in RCUNET." That's application instruction; remove. Also "We are an Equal Opportunity Employer" remove. Now we need to format. We'll produce:
About the role
Redwood Credit Union is seeking a Payments Product Specialist who will manage and optimize Redwood Credit Union's payment products and services with a focus on driving Member adoption, portfolio growth, operational efficiency, and exceptional Member experiences. This results-driven team member will support the strategic development, implementation, and ongoing management of debit cards, credit cards, digital wallets, person-to-person and account-to-account payments, real-time payments, card controls, rewards, and emerging payment technologies. The Payments Product Specialist will leverage data analytics, market intelligence, and Member insights to identify opportunities for growth, improve product performance, and enhance product delivery. This role serves as a liaison between internal stakeholders, payment networks, processors, and third-party vendors to ensure products remain competitive, compliant, and aligned with organizational goals. This position is 100% onsite in Napa, CA.
Responsibilities
- Drive Member usage and acquisition of defined payment channels.
- Educate, promote, and develop programs that drive growth and usage of payments products and services.
- Maintain working knowledge of RCU's payment products and services, including debit cards, credit cards, digital wallets, P2P solutions, account-to-account transfers, rewards programs, and emerging payment technologies.
- Analyze payment portfolio and product performance, utilization, transaction trends, and Member engagement metrics to identify growth opportunities, evaluate alternatives and recommend product enhancements to reduce Member friction and enhance Member experience.
- Drive the launch and ongoing management of payment product initiatives, enhancements, and promotional campaigns.
- Independently analyze portfolio and transaction data to develop, prioritize, and present recommendations to drive usage, adoption, and Member engagement.
- Support payment product awareness and adoption throughout the organization and communities.
- Monitor industry trends, competitor offerings, and emerging technologies; assess business impacts and recommend strategic product enhancements, functionality improvements, and innovation opportunities.
- Lead or coordinate the evaluation and implementation of new payment products and services, including pilot programs and strategic initiatives by assessing business needs and operational impacts, and providing recommendations to leadership.
- Develop and present business cases, cost-benefit analyses, vendor evaluations, and executive-level recommendations used by management to inform decisions.
- Analyze Member feedback, operational impacts, vendor performance and business results to identify issues, evaluate corrective actions, and recommend opportunities for continuous improvement.
- Collaborate with business partners throughout the organization to develop data driven recommendations to support product decisions.
- Work closely with Risk, Compliance, and Enterprise Fraud teams to ensure payment products operate within regulatory and organizational requirements.
- Monitor third-party vendor performance and standards; identify operational or service issues, evaluate potential solutions and provide recommendations for improvement, in support of vendor due diligence reviews.
- Analyze the efficiency of current procedures and recommend process improvements.
- Support departmental projects and cross-functional initiatives.
- Assist with preparing presentations, reporting, and executive communications.
Qualifications
Minimum Qualification: Knowledge of applicable laws, regulations, and network rules impacting payments, including, but not limited to Regulation E, Regulation Z, UDAAP, PCI DSS requirements, card network operating regulations, BSA, Patriot Act, and OFAC. Experience and ability to drive growth and usage of payments products and services. Excellent collaboration and communication skills, with the ability to work effectively across departments, with external partners, and the community. Ability to plan and deliver internal and external presentations. Excellent analytical, problem-solving, critical thinking, and decision-making skills, with the ability to evaluate alternatives and recommend solutions to complex business issues. Strong understanding of consumer and business payment products, card programs, and payment ecosystems.
Preferred Qualifications: Experience directly supporting payment products, card portfolios, digital payment solutions, or payment operations within a financial institution. Experience working with payment systems, fintech partners, or payment-related vendors. Experience with data analytics, reporting, business case development, and product performance measurement. Experience with business development and/or sales of financial services. The ideal candidate has a combination of education or experience equivalent to a bachelor’s degree in business administration, marketing, or closely related field, with a minimum of five years’ experience in financial services.
Physical Requirements: Ability to stand, bend, stoop, sit, walk, twist, and turn. Ability to lift up to 15 pounds. Ability to use a computer keyboard and calculator. Work environment is indoors; majority of the time is spent sitting at
- . Similarly preferred qualifications list.
- Compensation: Base starting range: $94,082 to $123,949 annually commensurate with experience. Then paragraph about base salary starting range based on scope... Then "We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits." Then "Redwood Credit Union offers a robust benefits package to our eligible employees including:" then bullet list of benefits. So we have Pay and Benefits sections. The instruction: never create Pay/Schedule/Benefits sections unless the posting actually states them. The posting does state compensation and benefits, so we can include Pay and Benefits sections. However we need to avoid filler like "commensurate with experience" which is placeholder? The instruction says never emit a heading followed by filler/placeholder text (e.g. "commensurate with experience", "not specified", "N/A", "varies", "TBD"). That means we should not have a Pay section that only contains "commensurate with experience" as the content. But we have actual numbers: $94,082 to $123,949 annually. That's substantive. So we can include Pay section with that range and maybe the explanatory sentence. The instruction: prefer a few substantive sections over many thin ones. So we could have Pay and Benefits sections.
- Schedule: Not mentioned besides "This position is 100% onsite in Napa, CA." That's location, not schedule. No schedule info (like full-time, hours). So we should not create Schedule section.
- About the role: Could be a section but we already have intro paragraph. Could put that under