Payment Operations Representative I

Job Description

JOB INFORMATION

Title:

Payment Operations Representative I

Officer Title:

Grade:

15

FLSA Classification:

Non-Exempt

Date Last Edited:

1/7/2026

Reports To:

Manager Payment Operations

Department:

Payment Operations

URL Link

https://hvfcu.jdxpert.com/ShowJob.aspx?EntityID=2&jobcode=475

PRIMARY FUNCTION

Support end to end electronic payment processing by operating ACH, wire, check, and related payment systems with a focus on accuracy, timeliness, and exception resolution. Provide responsive service to internal teams and members while coordinating with third party partners to resolve issues efficiently.

•

Execute daily ACH processing, including file validation, transmission, and system report review to ensure accuracy and timeliness.

•

Perform routine ACH activities such as returns, reversals, death notices, and reclamations in accordance with established procedures.

•

Process incoming and outgoing wire transactions by following documented controls and regulatory requirements.

•

Complete exception processing for share draft and ACH postings, payroll items, and stop payments using approved internal and third party systems.

•

Prepare and distribute standard member notifications and maintain accurate records, logs, and reports to support compliance and audits.

•

Provide timely, courteous support to internal teams and members by resolving routine inquiries and escalating issues as appropriate.

•

Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.

•

Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.

•

Responsible for regular and predictable attendance including punctuality.

High School Diploma, General Education Development (GED) certificate, or state authorized high school equivalent certificate.

X

AAP Accreditation

X

Minimum 1 Year

Work history Credit Union or financial institution

X

Minimum 1 Year

Payment Operations experience

X

•

Basic proficiency in mathematics and Microsoft Office Software (Word, Excel, Outlook, PowerPoint, etc.)

•

Ability to adapt to changing operational demands and respond to varying deadlines in a fast-paced environment.

•

Ability to quickly learn, retain, and apply new job functions and processes.

•

Strong interpersonal skills with well-developed verbal and written communication skills.

•

Ability to work well collectively and autonomously.

•

Ability to read, comprehend and interpret information from documents, procedures/policies.

PHYSICAL DEMANDS

Frequency

Physical Demand

Weight (lbs.)

Frequently

Sit for prolonged periods of time

Frequently

Required to communicate verbally

Frequently

Normal range of vision and hearing abilities required

Occasionally

Lift and/or move objects

30

Occasionally

Travel outside of work location to attend meetings and training programs

Frequently

Required to skillfully operate a computer, telephone and other standard office equipment

Occasionally

Work extended hours, including evenings, weekends, and holidays as needed

WORK ENVIRONMENT

•

Typically the noise level in the work environment is moderate.

•

May experience occasional job stress in response to job demands.

•

There are no significant hazardous conditions.

View Competencies

Service Excellence

Consistently incorporates Hudson Valley's member and employee value proposition, reinforcing organizational culture and brand differentiators.

Level 1

1. Anticipates and meets the needs of both internal and external customers. Delivers high quality service and is committed to continuous improvement.

2. Consults with management on modifying business processes to enhance service delivery. Monitors own work to ensure quality and apply feedback to improve performance.

3. Integrates core values into the way work is done and how relationships are conducted.

4. Possesses knowledge of customer service concepts and techniques; ability to meet or exceed customer needs and expectations and provide excellent service in a direct or indirect manner.

5. Tailors communications based on others’ needs, motivations and agendas.

Flexibility and Adaptability

Adapts as needed; knowledge of successful approaches, tools, and techniques for dealing with changes and adapting to a changing environment.

Level 2

1. Accepts new or radical ideas with an open mind; avoids snap reactions.

2. Adjusts to new or changing assignments, processes, and people.

3. Demonstrates ability to successfully manage multiple tasks and priorities.

4. Demonstrates willingness to listen to other opinions.

5. Identifies and considers alternative approaches to situations or problems.

Work Standards

Sets high standards of performance for self and others; assumes responsibility and accountability for successfully completing assignments or tasks.

Level 2

1. Documents how results were obtained to support knowledge transfer and best practices.

2. Helps others drive tasks to completion as appropriate.

3. Holds self and others accountable for delivering on all commitments.

4. Identifies actions necessary to achieve task completion and to obtain results. Meets schedules, deadlines, and performance goals.

5. Recognizes the need for assistance and secures additional resources as needed. Escalates issues and unusual findings that could have an adverse impact on the business.

6. Understands and appropriately applies principles, procedures, requirements, regulations, and policies related to role.

Accuracy and Attention to Detail

Understanding of the necessity and value of accuracy and attention to detail; ability to process information with high levels of accuracy.

Level 2

1. Processes limited amounts of detailed information with good accuracy.

2. Utilizes specific approaches and tools for checking and cross-checking outputs.

3. Develops and uses checklists to insure that information goes out error-free.

4. Accurately gauges the impact and cost of errors, omissions, and oversights.

5. Learns from mistakes and applies lessons learned.

Wire Transfer/Automated Clearing House (ACH)

Knowledge of wire transfer service systems and sub-systems and ability to use them for delivery of services to internal and external clients.

Level 2

1. Works with all basic features and facilities of the wire transfer application and related systems.

2. Troubleshoots and resolves common wire transfer problems.

3. Assists in running the Automated Clearing House (ACH) network.

4. Documents requirements and fees for domestic and international wire transfers.

5. Utilizes appropriate tools and techniques for common international transfers.

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee in this position.  Additional functions and requirements may be assigned by supervisors as deemed appropriate, with or without notice.

Nothing contained in this material creates a contract of employment between an employee and Hudson Valley Credit Union or otherwise alters the at-will nature of the employment relationship.

Are you able to perform the essential functions listed in this job description with or without reasonable accommodation?  YES_______  NO_______

By signing below you certify that you have received this job description and understand the requirements, essential functions and duties of the position.  If you are currently employed in this position, your signature acknowledge that this job description accurately describes the position, including its essential functions.

Name:  _____________________________________________

Signature: _____________________________________________

Date:  _____________________________________________ 

Please also note that Hudson Valley Credit Union respects the religious beliefs and practices of employees and will, on request, reasonably accommodate its employees when a reasonable accommodation is available that does not create an undue hardship on the Credit Union’s business.  Therefore, unavailability for work due to religious observances or practices may not be a bar to employment.