Job Description

At Space Coast Credit Union (SCCU), our members are at the heart of everything we do. Since 1951, we’ve been committed to delivering financial services founded on integrity and a people-first philosophy.

As a Payments Specialist II, you will ensure the timely and accurate posting, balancing, research, and reconciliation of daily ACH and Correspondent Bank files, all while maintaining strict service and compliance standards. In this role, you will process and approve both incoming and outgoing Domestic and International wire transactions, verifying OFAC compliance and data accuracy. You will also analyze returned items and mobile capture exceptions, making informed pay, pay and charge, or no-pay decisions to support the integrity of our payment operations.

Why Join SCCU?

• Member-Focused Mission Be part of a not-for-profit organization that reinvests in its members.
• Flexible Schedule Options
• Career Growth We prioritize internal promotions and offer on-the-job training.

Payments Specialist II Key Responsibilities:

• Reviews and balances daily files downloaded from the Correspondent Banks and the ACH files from Federal Reserve Bank through the third party ACH application within required service and compliance standards. Generates exception reports.
• Reviews and analyzes the daily Non Sufficient Funds (NSF) returns file for both share drafts and ACH transactions posted against member accounts in an NSF status (i.e., chargebacks). Determines pay, pay and charge or no-pay status of NSF items. Balances the returns file and transmits the returns file electronically within the regulatory deadlines.
• Processes debits to members accounts for returned deposit items and mobile capture exceptions within department service standards and regulatory deadlines. Prepares and mails notifications to members including an explanation for the action taken, the return item, and a receipt showing the debit to the account. Forwards negative balance documentation to the Collections Department.
• Responsible for accurate description and resolution (clearing) of outstanding transactions. Responds to all external financial institution requests related to adjustments and/or source of receipts for member transactions. Coordinates with IT to ensure that share draft image files are uploaded to on-line banking in a timely basis. Creates general ledger journal entries for adjustments as needed in the daily balancing process.
• Sets up, services and balances member payrolls. Posts member’s payroll deductions as received through the third party ACH application. Updates member payroll deduction allocations as requested on a timely basis.
• Using standardized templates, prepares communications to members and/or merchants regarding results of research, resolution of issues and/or apology to merchants/members for returns caused by SCCU errors or omissions. Assists in the modification/creation of standardize templates to reply to various issues.
• Remains current in all aspects of ACH NACHA operating rules, Government payment process (Federal Green Book). Reg CC, Reg D, Reg E, Bank Secrecy Act, Money Laundering and OFAC compliance. Additional training and certifications will be completed as required.

Payments Specialist II Requirements:

• High school diploma, GED or equivalent experience.

• 3 to 5 years prior experience with a financial institution with specific experience in ACH, Item Processing, and/or Wire Transfer preferred.

Payments Specialist II Compensation:

• Starting Salary: $20.18-$21.38
• Bonus Opportunity: Eligible for ONE SCCU Annual Bonus.

Work Schedule

• Hybrid and Flexible Schedule Options This position is hybrid with two days per week required in office.
• Monday – Friday: 8:00 a.m. - 5:00 p.m.

SCCU Benefits

• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

About SCCU

Since 1951, Space Coast Credit Union (SCCU) has proudly served our community, growing to over 685,000 members and managing $9 billion in assets. With 67 branches spanning Florida’s east coast, we are the third-largest credit union in the state. In 2025, we expanded into Orange County to better serve the growing East Orlando market.

As a not-for-profit financial institution, SCCU is dedicated to putting our members first. Unlike traditional banks, we return profits to our members through better rates, lower fees, and enhanced services. While we offer the same financial products—like checking, savings, and loans—our focus remains on empowering our members and supporting their financial well-being. With local decision-making and a commitment to exceptional service, we strive to make a meaningful difference in the lives of those we serve.

At SCCU, we also prioritize our team members by fostering a supportive and collaborative environment that encourages career growth and development. As we continue to grow, we are seeking talented, member-focused professionals to join our team and help deliver innovative financial solutions and outstanding service.

I UNDERSTAND this application a legal document for purposes of your employment. Upon acceptance of an offer with SCCU, I UNDERSTAND that I will be required to complete background, employment verifications, and drug screening. I UNDERSTAND further that any misstatements or omissions in this application and pre-employment process can be considered falsification and will result in a decision not to hire me, or to discharge me if discovered after I am hired. I UNDERSTAND that the information requested regarding date of birth, race and sex is for the sole purpose of gathering the above information accurately, and will not be used to discriminate against me in violation of any law. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hired

SCCU is a drug-free workplace. I understand that as a condition of my employment, I will be required to submit to any testing for the presence of drugs, and to submit to any procedure to assess my qualifications for employment. If hired, I ALSO AGREE that if I am hired, my employment is for no definite time and may be terminated at any time without prior notice.