Zelle and EFT Specialist

Are you ready to make a meaningful impact in a member-focused financial institution? Join a trusted credit union that values service, teamwork, and the philosophy of "people helping people." We are seeking a positive, dependable, and service-oriented individual who takes pride in supporting members, delivering excellent service, and contributing to a collaborative team environment. Experience or familiarity with Zelle P2P payments and EFT/ACH processing is desirable. If you are looking for a rewarding opportunity with an organization that values both its members and employees, please read on!, This Specialist role is responsible for administering and supporting the Credit Union's Zelle® person-to-person (P2P) payment platform. This role serves as a subject matter expert for Zelle-related activities, providing exceptional support to members and internal teams, researching and resolving transaction issues, monitoring activity for potential fraud and ensuring compliance with applicable regulations and credit union procedures. Will also provide daily technical and administrative support for USX FCU Automated Clearing House (ACH), ATM/debit/credit cards, electronic, and share draft (checking) services. Provide legendary customer service to members and Operations staff regarding ACH, electronic, ATM/debit/credit card services, checking services and related policies., * Serve as the primary point of contact for Zelle-related inquiries, issues and operational support.

• Research, investigate, and respond to Zelle-related inquiries, claims, errors, disputes, and potential fraud cases in a timely and professional manner.
• Assist with Regulation E dispute intake, documentation, investigation, provisional credit tracking, resolution, and member communication.
• Monitor and review Zelle transaction activity to identify suspicious patterns, unauthorized activity, account takeover concerns, or other fraud indicators and escalate concerns appropriately.
• Assist members and internal staff with Zelle functionality, security practices and fraud prevention education
• Perform back-office processing for Zelle and EFT transactions, including adjustments, returns, recoveries, exception items, posting corrections, and reconciliation support.
• Collaborate with Branch Operations, Accounting, and third-party vendors to resolve electronic banking issues or discrepancies.
• Maintain accurate records of research, dispute actions, fraud investigations, correspondence, and resolution outcomes in accordance with internal procedures and regulatory requirements.
• Support updates to procedures, workflows, and internal guidance related to Zelle, EFT processing, fraud prevention, and dispute handling.
• Deliver a high level of service while maintaining confidentiality, professionalism, and compliance with applicable laws, regulations, and policies.
• Review and analyze daily share draft reports for Non-Sufficient Fund (NSF) transactions and exceptions. Determine which drafts are to be returned along with appropriate coding. Reprocess all NSF checks.
• Review and post all ACH postings and exceptions.
• Apply share draft rules, regulations and USX FCU policies and guidelines.
• Apply all ACH rules, regulations and USX FCU policies and guidelines.
• Apply all VISA debit and credit card rules, regulations and USX FCU policies and guidelines.
• Process all ACH distributions, postings, disputes and correction notices to Originators.
• Respond to member and staff questions regarding share draft, ATM and electronic transactions. Research member accounts for stop payment, photocopy, fraud notifications, ATM/debit card disputes, card use problems and maintain associated records.
• Process ATM/debit/credit card orders, as well as periodic reorders. Process and balance FiServ Card Services reports. Post entries associated with ATM card, debit card, credit card and ATM terminal activity. Balance ATM GLs to terminal balances.
• Provide ATM terminal support as necessary - such as troubleshooting, balancing and vendor contacts.
• Process all Domestic and International Wire requests and transactions.
• Other duties as assigned.

• High school diploma or a combination of equivalent experience and/or education
• Working knowledge of Zelle, ACH, debit card activity, electronic funds transfer (EFT), transaction research, and dispute resolution practices preferred
• Self-directed individual with well-developed interpersonal skills, effective communications skills both written and oral, as well as time management.
• Demonstrated ability for independent thinking and problem solving.
• Strong attention to detail and ability to maintain accurate documentation for audits, compliance reviews and internal quality assurance
• Proficiency with core processing systems, digital banking platforms, MS Office applications and transaction monitoring or case management tools
• Understanding of Regulation E requirements and related documentation, timelines and resolution expectations, preferred
• General accounting knowledge is preferred, * Zelle: 1 year (Preferred)
• EFT and ACH: 1 year (Preferred)

Work Location: Hybrid remote in Cranberry Township, PA 16066

Pulled from the full job description

• 401(k)
• Health insurance
• 401(k) matching
• Paid time off
• Vision insurance
• Dental insurance
• Flexible spending account, * 401(k)
• 401(k) 6% Match
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Life insurance
• Paid time off
• Vision insurance