E-Payments Analyst
Position Summary The E-Payments Analyst performs daily processing and support tasks within the E-Payments department at Credit Union of Texas, including ACH, wire transfers, check processing, Remote Deposit Capture (RDC), Zelle, and payroll deduction. Working under moderate supervision in a fast-paced, production-driven environment, the role ensures timely, accurate, and compliant processing of electronic payments while delivering excellent service to members and internal staff. The Analyst applies CUTX-approved AI and analytics tools to support exception research, document triage, and member communications, with human-in-the-loop review on every member-impacting output.
Key Responsibilities Daily Payment Processing Perform daily processing tasks across E-Payments channels including ACH, wire transfers, check processing, Remote Deposit Capture (RDC)/ATM, Zelle, and payroll deduction, meeting all internal deadlines and service-level goals. Enter direct payments (ACH external or internal transfers) in a timely manner for member loan and lease payments, and provide guidance to members and staff on these transactions. Process returned items promptly to ensure accurate reversal of payments or deposits, including reversing loan payments, debiting member accounts for returned electronic debits, and handling unpaid check deposits. Monitor transaction queues and address exceptions or errors promptly, escalating to E-Payments management or supervisor when appropriate. Member & Internal Service Provide outstanding service to internal team members and external members; respond to phone calls and emails related to E-Payments inquiries with professionalism, empathy, and accuracy. Assist members and staff with questions or issues related to payments initiated through Online Banking or Mobile Services; research and resolve issues to ensure member satisfaction. Defuse tense situations and communicate professionally with individuals of varying personalities. Handle confidential and sensitive financial information with discretion at all times. Balancing, Reconciliation & General Ledger Ensure daily general ledger entries are completed accurately according to established procedures. Review and balance all settlement reports for assigned payment channels. Support E-Payments management in balancing ACH files and identifying outages or discrepancies. Compliance & Risk Ensure all payment processing activity complies with NACHA Operating Rules, Regulation E, Regulation CC, Regulation J, UCC 4A, BSA/AML, OFAC, and the USA PATRIOT Act as applicable to the role. Identify and escalate any suspicious activity, potential fraud, or compliance concerns immediately to management. Maintain audit-ready documentation for all transactions, exceptions, and member communications. Collaboration & Continuous Improvement Collaborate with team members to ensure smooth daily operations across the E-Payments function. Maintain a positive, proactive attitude in a fast-paced environment with frequent interruptions. Participate in pilots of CUTX-approved AI tools that support the E-Payments function, contribute feedback, and adopt approved enhancements. Recommend process improvements to management based on patterns observed in d...
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