Job DetailsJob Location: Coffee Road - MODESTO, CA 95355Position Type: Full TimeSalary Range: $29.46 - $36.82 HourlyJob Shift: DayPOSITION PURPOSE The Payments Specialist ensures accurate, timely, and compliant processing of all payment functions across ACH, checks, cards, wire transfers, and digital payment channels. This role serves as a subject matter expert, supporting members, vendors, and internal teams with research, resolution, and reporting for payment-related activities. Researching and resolving outages, discrepancies, and digital payment system errors. Keep records and reports accurate and current. Ensure that work is completed in accordance with established policies and procedures. _________________________________________________________________________________________________   ESSENTIAL FUNCTIONS AND BASIC DUTIES   1. Payment Processing & Reconciliation Process and reconcile daily payment functions including ACH originations, returns, and exception handling; check deposit settlement and inclearing; wire transfers; Zelle (P2P); remote deposit capture; and card network settlement for debit and credit Manage card-related programs including loan payment solution software, card support, reward program oversight, and settlement billing and reporting Ensure records, reports, and accounts are accurate, current, and properly balanced   2. Research & Problem Resolution Research and resolve payment discrepancies, system errors, and outages in a timely manner Investigate and resolve member payment disputes, fraud claims, and transaction errors Respond to member and branch inquiries by phone and other channels; escalate appropriately when needed   3. Reporting & Compliance Prepare monthly reports for management and service providers covering complaint volumes and transaction activity Review and document compliance with marketing and operational requirements from payment service providers Stay current on payment regulations, compliance changes, and legal requirements affecting payments   4. Collaboration, Training & Development Supports all Mocse with payment-related questions, research, and problem-solving Train on payment products, processes, and updates as they occur Keep management informed of area activities and emerging issues Participate in department and organizational meetings as required Support the team with universal cross-training across all payment functions, serve as a backup resource for any payment area Complete all required training, and pursue and maintain industry certifications/accreditations, engage with industry organizations through webinars, conferences, and regulatory updates to stay current on evolving payment rails, trends, and technologies  Complete special projects and other duties as assigned         PERFORMANCE MEASUREMENTS   Payment functions are processed accurately, completely, and on time in accordance with policies and program requirements Records, accounts, and reports are correct, current, and properly balanced Problems and discrepancies are resolved promptly with minimal escalation Member and internal interactions reflect professionalism, service excellence, and confidentiality Management is kept appropriately informed of activities, issues, and opportunities Demonstrates active participation in team goals, meetings, and organizational initiatives Upholds Mocse’s values and Code of Conduct Completes universal requirements in alignment with the department development goals  Actively progresses toward industry certifications   QualificationsQUALIFICATIONS Education/Certification:  High school graduate or equivalent.   Required Knowledge:        Knowledge of payment settlement systems including ACH, checks, EFT, card payments, and person-to-person payments.  Understanding of payment compliance and regulations   Experience Required:        Six months to 2 years of similar or related experience preferred.                                                 Previous Credit Union or financial institution experience is very helpful   Skills/Abilities:                  Strong attention to detail and accuracy in high-volume, deadline-driven environments Solid math and data analysis skills; intermediate Excel proficiency preferred Effective written and verbal communication with members, staff, and vendors Organized, self-directed, and able to prioritize multiple tasks with minimal supervision Proficient in Microsoft Office suite                                                        PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION   Finger Dexterity:               Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.   Talking:                                 Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.   Average Hearing:               Able to hear average conversations and receive ordinary information.   Repetitive Motion:              Movements frequently and regularly are required using the wrists, hands, and/or fingers.   Average Visual Abilities: Average, ordinary visual acuity necessary to prepare or inspect documents or products, or operate machinery.   Physical Strength:            Sedentary work; sitting most of the time.  Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.)     WORKING CONDITIONS   None:                                      No hazardous or significantly unpleasant conditions (such as in a typical office).     MENTAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION   Reasoning Ability:              Ability to apply common sense understanding to carry out detailed but uninvolved instructions and to deal with problems involving a few variables.   Mathematics Ability:         Ability to perform basic math skills and use decimals to compute ratios and percents, and draw and interpret graphs.   Language Ability:               Ability to use a passive vocabulary of 5-6,000 words; to read at a slow rate; define unfamiliar words in dictionaries for meaning, spelling, and pronunciation.                                                 Ability to write complex sentences, use proper punctuation, and use adjectives and adverbs.                                                 Ability to communicate in complex sentences; using normal word order with present and past tenses; using good vocabulary.