Wings Financial Credit Union
Electronic Payments Specialist
Wings Financial Credit Union, Apple Valley, Minnesota, United States
Job Summary
The Electronic Payments Specialist is responsible for processing and reconciling electronic payment transactions in accordance with Federal Reserve Bank and National Automated Clearing House Association (NACHA) guidelines. This includes ACH transactions, domestic and international wire transfers, check processing, and exception item handling. The role ensures accurate settlement, documentation, and compliance with all regulatory and institutional standards. Essential Functions
Process and reconcile electronic payment transactions, including:
ACH Wire transfers (domestic and international) Check processing and Check 21 Adjustments Mobile Deposits Foreign currency deposited checks Transfer and payroll distributions
Handle exception items such as:
Written Statements of Unauthorized Debit (WSUD) Stop payment requests Member communications and notifications
Ensure compliance with applicable regulations and policies, including:
Reg D, Reg CC, Reg E OFAC, SAR, Right of Privacy NACHA rules and credit union policies
Monitor and maintain timely processing of all transactions within Federal Reserve deadlines. Investigate and resolve internal and external discrepancies. Respond to member inquiries professionally and promptly. Maintain secure and organized documentation of all records. Keep procedures current and assist with process improvements. Perform other duties as assigned. Qualifications
High school diploma or equivalent required. Minimum of 2 years of back-office processing experience preferred. AAP, APRP, or NCP accreditation preferred. Knowledge of ACH, Check 21 regulations, and related laws preferred. Strong verbal and written communication skills. Excellent analytical, research, and problem-solving abilities. High attention to detail and accuracy under time-sensitive conditions. Self-motivated with strong organizational skills. Proficient in Microsoft Excel and general PC/data entry tasks. Ability to identify and implement process improvements. Forward-thinking with a continuous learning mindset. Bondable Pay Range:
$23/hour - $27.50/hour plus 5% annual target bonus. The estimated hiring range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons. Benefits
Generous 401(k) match 401k Discretionary Profit Sharing Health Insurance Dental Insurance Vision Insurance Life Insurance Short Term and Long Term Disability Health Savings Account with company contribution Employee Assistance Program Paid Vacation, Sick, Floating Holidays and Volunteer Time Off Paid Holidays Tuition Reimbursement Paid Parental Leave Equal Opportunity Employer. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
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The Electronic Payments Specialist is responsible for processing and reconciling electronic payment transactions in accordance with Federal Reserve Bank and National Automated Clearing House Association (NACHA) guidelines. This includes ACH transactions, domestic and international wire transfers, check processing, and exception item handling. The role ensures accurate settlement, documentation, and compliance with all regulatory and institutional standards. Essential Functions
Process and reconcile electronic payment transactions, including:
ACH Wire transfers (domestic and international) Check processing and Check 21 Adjustments Mobile Deposits Foreign currency deposited checks Transfer and payroll distributions
Handle exception items such as:
Written Statements of Unauthorized Debit (WSUD) Stop payment requests Member communications and notifications
Ensure compliance with applicable regulations and policies, including:
Reg D, Reg CC, Reg E OFAC, SAR, Right of Privacy NACHA rules and credit union policies
Monitor and maintain timely processing of all transactions within Federal Reserve deadlines. Investigate and resolve internal and external discrepancies. Respond to member inquiries professionally and promptly. Maintain secure and organized documentation of all records. Keep procedures current and assist with process improvements. Perform other duties as assigned. Qualifications
High school diploma or equivalent required. Minimum of 2 years of back-office processing experience preferred. AAP, APRP, or NCP accreditation preferred. Knowledge of ACH, Check 21 regulations, and related laws preferred. Strong verbal and written communication skills. Excellent analytical, research, and problem-solving abilities. High attention to detail and accuracy under time-sensitive conditions. Self-motivated with strong organizational skills. Proficient in Microsoft Excel and general PC/data entry tasks. Ability to identify and implement process improvements. Forward-thinking with a continuous learning mindset. Bondable Pay Range:
$23/hour - $27.50/hour plus 5% annual target bonus. The estimated hiring range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons. Benefits
Generous 401(k) match 401k Discretionary Profit Sharing Health Insurance Dental Insurance Vision Insurance Life Insurance Short Term and Long Term Disability Health Savings Account with company contribution Employee Assistance Program Paid Vacation, Sick, Floating Holidays and Volunteer Time Off Paid Holidays Tuition Reimbursement Paid Parental Leave Equal Opportunity Employer. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
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