Deposit and Payment Processing Specialist- ACH Hybrid

Is it surprising to hear that a financial institution of 1.5 million members and over $30 billion in managed assets say that success comes from focusing on people, not profits? Our people helping people philosophy has guided us since 1935, driving our deep commitment to serving our members, communities, and each other. When you join our team, you become part of a purpose-driven organization where your work makes a real difference. While were proud of our history, were even more excited about our future. With business and technology transformation on the horizon, theres never been a better time to be part of BECU. PAY RANGE The Target Pay Range for this position is $26.35-$32.12 hourly. The full Pay Range is $21.65-$38.03 hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. hourly. At BECU, compensation decisions are determined using factors such as relevant job-related skills, experience, and education or training. Should an offer for employment be made, we will consider individual qualifications. In addition to your salary, compensation incentives are available for the hired applicant. Incentives are performance based and targets vary by role. BENEFITS because people helping people starts with supporting you 401(k) Company Match (up to 3%) 4% annual contribution to your 401(k) by BECU Medical, Dental and Vision (family contributions as well) PTO Program + Exchange Program Tuition Reimbursement Program BECU Cares volunteer time off + donation match IMPACT YOULL MAKE: As a Deposit and Payment Processing Specialist, you play a vital role in keeping BECUs financial ecosystem moving smoothly, accurately, and securely. Every transaction you touch supports our members financial well-being and trust in BECU. Using your attention to detail and knowledge of electronic funds transfer systems, you ensure payments are processed accurately, reconciliations balance perfectly, and funds move exactly where they shouldon time, every time. Your work directly supports members, strengthens partnerships with financial institutions, and helps BECU meet regulatory standards with confidence. Simply put, your impact shows up in every successful transaction and every member who can rely on their money being there when they need it. Hybrid: This role is hybrid and requires 2-3 days a week onsite at our office in Tukwila, WA. WHAT YOULL DO: Process and Balance Critical Transactions: Youll ensure all payment files are processed, reconciled, and balanced accurately so that credits and debits post correctly to the general ledger and member accounts. Manage Wires and ACH with Confidence: Youll process, monitor, and maintain domestic and international wire transfers and ACH transactions, ensuring compliance with NACHA and Federal Reserve guidelines. Support Time-Sensitive Payment Operations: Youll make sure check clearing, wire transfers, internal investments, and ACH activities meet all required timeframes established by the Federal Reserve. Handle Incoming and Outgoing Wires: Youll retrieve, post, and verify wires daily to ensure member and internal accounts reflect accurate credits and debits. Investigate and Resolve Exceptions: Youll research discrepancies, locate root causes, and resolve internal and external exceptions so balances stay accurate and issues are resolved efficiently. Operate Imaging and Processing Technology: Youll use image scanners to capture check and remittance documents, ensuring accuracy and efficiency across multiple work types. Collaborate with Financial Institutions: Youll maintain clear and professional communication with financial institutions regarding cash letters, return letters, and transaction statuses. Deliver Outstanding Member Support: Youll respond to member inquiries promptly and professionally, providing clear answers and peace of mind. Safeguard Records and Documentation: Youll maintain credit union records securely and systematically, ensuring compliance and audit readiness. Ensure Regulatory and Policy Compliance: Youll apply your knowledge of Federal Reserve, NACHA, NWCHA, and credit union policies to help BECU meet all regulatory requirements. Partner with Leadership on Adjustments: Youll prepare and present complete documentation for charge-off adjustment items requiring leadership approval. Contribute Beyond the Basics: Youll take on additional responsibilities as needed, supporting team success and operational excellence. This isnt just about ticking off tasks on a list. It's about making a significant, positive change in BECUs journey, where your contributions are valued, and your growth is continually fostered. WHAT YOULL GAIN: A meaningful role where your accuracy and expertise directly support member trust Opportunities to strengthen and expand your knowledge of ACH, wires, check processing, and payment regulations Exposure to complex financial operations within a respected credit union A collaborative team that values learning, accountability, and shared success Stability and purpose working for a member-owned financial cooperative A role that builds a strong foundation for future growth within financial operations QUALIFICATIONS: Minimum Qualifications: High school diploma or equivalent Minimum two years of experience in a financial institution with operational experience such as data entry, item processing, reconciliation, fraud identification or related experience required Verbal and written communication skills to effectively communicate in the English language Excellent organizational skills PC and 10 key skills with the ability to learn new software Ability to perform multiple responsibilities with a high degree of accuracy Full-time hours required, with additional hours as necessary Desired Qualifications: Minimum one year of experience processing ACH and Wires preferred Continuing education, including courses and seminars pertaining to ACH and check clearing processes and regulations preferred Good analytical, research and problem solving skills JOIN THE JOURNEY Ready to make an indelible impact? Eager to be a part of a collaborative and innovative team where your ideas and contributions dont just fill a role, but fuel the growth and success of BECU? This is more than a job its a chance to elevate your career, skills, and future, all while contributing to the robust technological landscape of BECU. Embrace the opportunity to grow with us. Apply now, bring your expertise to the table, and lets achieve excellence together at BECU. Your journey of influence, innovation, and impactful contribution starts now. #BECU #YourGrowth #BECUJourney EEO Statement: BECU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status. Job Alerts: If you would like to be kept informed of new potential opportunities, click here. You will be asked to create an account if you do not already have one. From our very beginning, BECU has been about people helping people. As a financial services cooperative, our purpose has and always will be the same: we work together to best serve our members and improve the financial well-being of our community. With 90 years and over one million members later, we're still rooted in our values, practices and mission - and even more passionate about our future. As one of the nation's leading credit unions, we're not driven by profit. We're owned by our members and their interests are at the core of everything we do. Now we're growing faster than ever before--but we'll never forget our roots. To continue doing right by our members, we believe we must first do right by our people. Here, you'll receive the resources and support you need to learn, grow and build a meaningful career. Because we know it's our people who make us special.