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 we’re proud of our history, we’re even more excited about our future. With business and technology transformation on the horizon, there’s 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 YOU’LL MAKE:

In this role, you’ll play a key part in ensuring smooth, accurate, and secure deposit and payment processing that supports thousands of BECU members every day. You’ll use your expertise to process and balance critical financial transactions, maintain the integrity of payment systems, and handle wires, ACH activity, and reconciliation tasks with precision. Your attention to detail and commitment to accuracy will help safeguard our operations while delivering an exceptional experience for members.

By owning these essential processes, you’ll strengthen BECU’s financial stability, uphold compliance standards, and contribute to the overall success of our payment operations. Your work will keep funds moving safely, correctly, and efficiently—directly impacting the trust our members place in us.

**Please note this role is hybrid and requires 2 days onsite/week at Tukwila, WA office.

WHAT YOU’LL DO:Daily Operations & Transaction Processing:

• Ensure all responsibilities align with BECU Competencies and follow compliance, regulatory, and Information Protection standards to protect members and the credit union.

Check & Document Imaging:

• Operate image scanners to accurately capture check and remittance documents across multiple work types.

Timely Clearing & Settlement:

• Ensure check clearing, wire transfers, internal investments, and ACH transactions are completed within strict Federal Reserve timeframes.

Wire Transfers & Account Posting:

• Retrieve and post incoming and outgoing wire activity daily so member and internal accounts are properly credited or debited.

Issue Resolution & Research:

• Investigate and resolve internal and external discrepancies by locating and analyzing all potential points of access.

Financial Institution Collaboration:

• Maintain communication with financial institutions regarding incoming and outgoing cash letters and return letters.

Member Support & Inquiry Response:

• Respond to member inquiries quickly, professionally, and accurately—researching exceptions and addressing out‑of‑balance conditions.

Recordkeeping & Documentation Security:

• Maintain all Credit Union records in a secure, organized, and compliant manner to protect sensitive information.

Charge‑Off & Adjustment Review:

• Provide full supporting documentation for charge‑off adjustment items and obtain leadership approval.

Regulatory Knowledge & Compliance:

• Maintain in‑depth knowledge of Federal Reserve, NACHA, and NWCHA rules governing electronic transfer processes, including checks, deposits, ACH, and wires.

Credit Union Expertise:

• Understand and follow all Credit Union and departmental services, policies, procedures, and applicable state and federal laws and regulations.

Additional Responsibilities:

• Perform additional duties as assigned to support team success.

This isn’t just about ticking off tasks on a list. It's about making a significant, positive change in BECU’s journey, where your contributions are valued, and your growth is continually fostered.

WHAT YOU’LL GAIN:

• A mission‑driven organization where your accuracy and diligence directly protect members and strengthen operations.
• Opportunities to deepen your expertise in wires, ACH processing, and electronic payments.
• A collaborative environment that values your ability to analyze data, solve problems, and uphold compliance.
• A role that rewards your curiosity, precision, and eagerness to grow your financial operations knowledge.
• A team that appreciates your commitment to delivering excellent service and maintaining secure financial processes.
• The chance to contribute to one of the nation’s leading credit unions with a strong reputation for integrity and member advocacy.
• A workplace where your attention to detail, reliability, and ability to manage multiple responsibilities truly matter.

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.
• PC and 10 key skills with the ability to learn new software.
• Verbal and written communication skills to effectively communicate in the English language.
• 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.
• Excellent organizational skills.
• 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 don’t just fill a role, but fuel the growth and success of BECU? This is more than a job – it’s 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 let’s 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.