Payment Operations Manager

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    "jobTitle": "Payment Operations Manager",
    "location": "Corporate Office - Rapid City, SD 57702",
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    "description": "<p style=\"text-align:center\"><span style=\"font-family:Aptos,sans-serif\"><strong><u>Who We Are</u></strong></span></p>\n\n<p style=\"text-align:center\"><span style=\"font-family:Aptos,sans-serif\"><em>We have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, &quot;We Improve Lives.&quot; This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well-being of members.</em></span></p>\n\n<p style=\"text-align:center\"><span style=\"font-family:Aptos,sans-serif\"><em>At Black Hills Federal Credit Union (BHFCU), we&rsquo;re committed to improving the lives of our members every day, and we look for people who share that passion. Don&rsquo;t have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths.</em></span></p>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>General Purpose:</strong> The Payments Operations Manager is responsible for the operational management, compliance oversight, and continuous improvement of all payment services and card payment functions. This role oversees payment systems, debit and credit card programs, ACH operations, wire transfers, dispute resolution, fraud mitigation, and payment-related vendor relationships.</span></p>\n\n<p><span style=\"font-family:Aptos,sans-serif\">The Payments Operations Manager ensures secure, efficient, compliant, and member-focused payment experience while driving operational excellence, innovation, risk management, and revenue growth across all payment channels.</span></p>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Essential Duties/Responsibilities:<a name=\"_Hlk117000875\"></a></strong></span></p>\n\n<ul>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Lead and manage all payment operations and money movement services across the credit union.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Develop and execute payment strategies aligned with organizational goals and member experience initiatives.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Ensure accurate, timely, and compliant processing of all payment transactions.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Oversee payment workflows, operational controls, service levels, and process optimization.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Monitor payment trends, emerging technologies, and industry developments to recommend enhancements and innovations.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Manage all Automated Clearing House (ACH) processing activities to include, ACH origination, ACH receipt processing, returns and notifications of change, same-day ACH, ACH fraud monitoring, and ACH exception processing.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Maintain ACH exposure limits and risk controls.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Oversee domestic and international wire transfer operations.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Manage wire verification procedures and dual-control processes.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Monitor wire activity for suspicious transactions and operational risk.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Manage all debit card program operations including, card issuance, instant issue programs, card maintenance, PIN management, card fulfillment, card controls, and card reissue programs.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Oversee debit card transaction processing and settlement.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Monitor debit card fraud trends and mitigation strategies to identify process improvement opportunities.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Manage credit and debit card disputes, fraud claims, and chargeback processes.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Manage consumer and business credit card operational functions including card service, balance transfer programs, transaction monitoring, delinquency coordination, card maintenance, and portfolio support.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Support credit card product development and promotional campaigns.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Support digital payment solutions including digital wallets, P2P payments, real-time payments, mobile payment services, account-to-account transfers, and external transfer platforms.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Support integration and optimization of Apple Pay, Google Pay, Samsung Wallet, and Zelle.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Oversee ATM and ITM transaction settlement and balancing.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Manage network relationships related to ATM processing, shared branching settlement, and card network connectivity.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Monitor ATM cash exceptions, disputes, and transaction reconciliation.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Ensure strong internal controls, dual-control procedures, and segregation of duties.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Partner with compliance and security teams on risk assessments and audits.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Manage relationships with payment processors, card vendors, fraud partners, and network providers.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Participate in contract negotiations, service reviews, and vendor performance management.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Ensure vendors meet service-level agreements and compliance expectations.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Ensure compliance with all applicable regulations and card/payment network requirements including BSA/AML, OFAC, fraud protection protocols, PCI-DSS, Regulation E, UDAAP, and Nacha operating rules.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Coordinate internal and external audits related to payments and card services.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Maintain documented procedures, controls, and operational policies.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Lead, coach, and develop payment operations staff.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Establish department goals, performance standards, and service expectations.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Promote a culture of accountability, collaboration, innovation, and member service excellence.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Conduct performance evaluations and support employee development planning.</span></li>\n</ul>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Other Duties/Responsibilities:</strong></span></p>\n\n<ul>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Responsible for developing and maintaining department manuals.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Responsible for the development of department budget consistent with the strategic plan and overall budget. </span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Prepare standardized reports as directed by VP Payments. </span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Responsible for ensuring an adequate supply of all operating materials used by assigned employees is available.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Perform other duties as may be assigned by the VP Payments or Chief Experience Officer.</span></li>\n</ul>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Job Knowledge:</strong></span></p>\n\n<ul>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Advanced knowledge of the fundamentals of the financial industry, including but not limited to, the operation and delivery of financial services.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Advanced knowledge of laws and regulations [e.g. PCI-DSS, Regulation E, BSA/AML, OFAC, and Nacha rules] affecting credit union operations, products, and services.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Advanced knowledge about the organization&#39;s policies/procedures and credit union&#39;s service philosophy.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Must be able to read and interpret financial reports received from various sources.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Advanced knowledge of management techniques to enhance staff productivity and to maintain positive staff morale.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Advanced knowledge of the credit union&#39;s in-house computer system and internet.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Advanced knowledge of ITMs / ATMs, ACH operations, debit and credit card processing, payment networks, wire operations, digital payments, fraud prevention, and payment regulations.</span></li>\n</ul>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Job Qualifications (Skills):</strong></span></p>\n\n<ul>\n\t<li><span style=\"font-family:Aptos,sans-serif\">BHFCU is committed to working with its employees to reasonably accommodate them with the physical aspects of the position.&nbsp; The following list outlines the physical considerations that are normally encountered in this job.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Vision: A sighted person to review direct reports&#39; work.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Speech/Hearing: Ability to communicate verbally and in writing with staff, members, and vendors.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Manual Dexterity: Ability to perform necessary computer related input.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Physical Mobility: Limited mobility required.&nbsp; Requires the ability to work flexible hours.</span></li>\n</ul>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Job Qualifications (Ability):</strong></span></p>\n\n<ul>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Ability to understand and follow complex written and oral instructions and disseminate that knowledge in a clear and understandable format to others.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">The ability to effectively communicate with all levels of the organization and to outside parties even when under extreme pressure. </span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">The ability to communicate new ideas, products, and procedures and gain buy-in from stakeholders. </span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Ability to prepare and maintain confidential records and reports. </span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Ability to produce a high volume of work in a timely manner that is accurate and of high quality, prioritize work, and handle multiple tasks.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Ability to analyze out of balance situations, statistics and financial data, gather, assemble, correlate, and interpret facts and develop solutions.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Ability to work within established guidelines with latitude to make decisions and take initiative to resolve problems or unique circumstances.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Ability to use a rational and organized approach to completing tasks.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Ability to analyze and recommend improvements to current processes, products, procedures, and services.</span></li>\n</ul>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Job Qualifications (Education/Experience):<a name=\"_Hlk149299173\"></a></strong></span></p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Education:</strong> </span></p>\n\n<ul>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Job prefers a bachelor&rsquo;s degree in business, Finance, Accounting, Operations, or related field preferred.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Equivalent combination of education and experience may be considered.</span></li>\n</ul>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Experience: </strong></span></p>\n\n<ul>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Five to eight years experience in progressive experience in payments, card services, electronic banking, or financial operations. </span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Minimum 3 years of leadership or supervisory experience preferred.</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Experience working with card processors Velera (PSCU/COOP) or Fiserv (DNA) strongly preferred.</span></li>\n</ul>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Preferred Certifications:</strong></span></p>\n\n<ul>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Accredited ACH Professional (AAP)</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Certified Payments Professional (CPP)</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Certified Anti-Money Laundering Specialist (CAMS)</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Payments Risk Professional Certification</span></li>\n</ul>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Working Conditions:</strong></span></p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Material and Equipment Involved</strong> </span></p>\n\n<ul>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Personal Computer</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Presentation Aids</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Signature Pads</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">WebEx</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Tablet and Mobile Devices</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">PA Sound System</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Video Recording Devices</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Scanners</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Projectors and Screens</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Microsoft Suite</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Photocopy Machine</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Various Software Applications</span></li>\n\t<li><span style=\"font-family:Aptos,sans-serif\">Salesforce</span></li>\n</ul>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Work Environment/Physical Activities</strong></span></p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><a name=\"_Hlk147931548\">Occasional travel to one of BHFCU&rsquo;s branch locations, attendance at community events, vendor meetings, and conferences may be required.</a></span></p>\n\n<p style=\"margin-left:-6px\">&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Physical Requirements</strong></span></p>\n\n<p><span style=\"font-family:Aptos,sans-serif\">Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work extended hours whenever required or requested by management. Must by capable of regular, reliable and timely attendance.</span></p>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Working Conditions</strong></span></p>\n\n<p><span style=\"font-family:Aptos,sans-serif\">Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.</span></p>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Mental and/or Emotional Requirements</strong></span></p>\n\n<p><span style=\"font-family:Aptos,sans-serif\">Must be able to perform job functions with supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on confidential matters.</span></p>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><strong>Notice:</strong>&nbsp; This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment.&nbsp; Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods.&nbsp; This position is also subject to all the personnel policies of Black Hills Federal Credit Union.&nbsp; Changes may be made to this job description at any time by the President.&nbsp; Black Hills Federal Credit Union is an equal opportunity employer.</span></p>\n\n<p>&nbsp;</p>\n\n<p><span style=\"font-family:Aptos,sans-serif\"><em><span style=\"background-color:white\"><span style=\"color:#444444\">Black Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.</span></span></em></span></p>\n",
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We must not accept less if we are to fulfill our mission, &quot;We Improve Lives.&quot; This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well-being of members.\\n\\nAt Black Hills Federal Credit Union (BHFCU), we&rsquo;re committed to improving the lives of our members every day, and we look for people who share that passion. Don&rsquo;t have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths.\\n\\n&nbsp;\\n\\nGeneral Purpose: The Payments Operations Manager is responsible for the operational management, compliance oversight, and continuous improvement of all payment services and card payment functions. This role oversees payment systems, debit and credit card programs, ACH operations, wire transfers, dispute resolution, fraud mitigation, and payment-related vendor relationships.\\n\\nThe Payments Operations Manager ensures secure, efficient, compliant, and member-focused payment experience while driving operational excellence, innovation, risk management, and revenue growth across all payment channels.\\n\\n&nbsp;\\n\\nEssential Duties/Responsibilities:\\n\\n\\n\\tLead and manage all payment operations and money movement services across the credit union.\\n\\tDevelop and execute payment strategies aligned with organizational goals and member experience initiatives.\\n\\tEnsure accurate, timely, and compliant processing of all payment transactions.\\n\\tOversee payment workflows, operational controls, service levels, and process optimization.\\n\\tMonitor payment trends, emerging technologies, and industry developments to recommend enhancements and innovations.\\n\\tManage all Automated Clearing House (ACH) processing activities to include, ACH origination, ACH receipt processing, returns and notifications of change, same-day ACH, ACH fraud monitoring, and ACH exception processing.\\n\\tMaintain ACH exposure limits and risk controls.\\n\\tOversee domestic and international wire transfer operations.\\n\\tManage wire verification procedures and dual-control processes.\\n\\tMonitor wire activity for suspicious transactions and operational risk.\\n\\tManage all debit card program operations including, card issuance, instant issue programs, card maintenance, PIN management, card fulfillment, card controls, and card reissue programs.\\n\\tOversee debit card transaction processing and settlement.\\n\\tMonitor debit card fraud trends and mitigation strategies to identify process improvement opportunities.\\n\\tManage credit and debit card disputes, fraud claims, and chargeback processes.\\n\\tManage consumer and business credit card operational functions including card service, balance transfer programs, transaction monitoring, delinquency coordination, card maintenance, and portfolio support.\\n\\tSupport credit card product development and promotional campaigns.\\n\\tSupport digital payment solutions including digital wallets, P2P payments, real-time payments, mobile payment services, account-to-account transfers, and external transfer platforms.\\n\\tSupport integration and optimization of Apple Pay, Google Pay, Samsung Wallet, and Zelle.\\n\\tOversee ATM and ITM transaction settlement and balancing.\\n\\tManage network relationships related to ATM processing, shared branching settlement, and card network connectivity.\\n\\tMonitor ATM cash exceptions, disputes, and transaction reconciliation.\\n\\tEnsure strong internal controls, dual-control procedures, and segregation of duties.\\n\\tPartner with compliance and security teams on risk assessments and audits.\\n\\tManage relationships with payment processors, card vendors, fraud partners, and network providers.\\n\\tParticipate in contract negotiations, service reviews, and vendor performance management.\\n\\tEnsure vendors meet service-level agreements and compliance expectations.\\n\\tEnsure compliance with all applicable regulations and card/payment network requirements including BSA/AML, OFAC, fraud protection protocols, PCI-DSS, Regulation E, UDAAP, and Nacha operating rules.\\n\\tCoordinate internal and external audits related to payments and card services.\\n\\tMaintain documented procedures, controls, and operational policies.\\n\\tLead, coach, and develop payment operations staff.\\n\\tEstablish department goals, performance standards, and service expectations.\\n\\tPromote a culture of accountability, collaboration, innovation, and member service excellence.\\n\\tConduct performance evaluations and support employee development planning.\\n\\n\\n&nbsp;\\n\\nOther Duties/Responsibilities:\\n\\n\\n\\tResponsible for developing and maintaining department manuals.\\n\\tResponsible for the development of department budget consistent with the strategic plan and overall budget. \\n\\tPrepare standardized reports as directed by VP Payments. \\n\\tResponsible for ensuring an adequate supply of all operating materials used by assigned employees is available.\\n\\tPerform other duties as may be assigned by the VP Payments or Chief Experience Officer.\\n\\n\\n&nbsp;\\n\\nJob Knowledge:\\n\\n\\n\\tAdvanced knowledge of the fundamentals of the financial industry, including but not limited to, the operation and delivery of financial services.\\n\\tAdvanced knowledge of laws and regulations [e.g. PCI-DSS, Regulation E, BSA/AML, OFAC, and Nacha rules] affecting credit union operations, products, and services.\\n\\tAdvanced knowledge about the organization&#39;s policies/procedures and credit union&#39;s service philosophy.\\n\\tMust be able to read and interpret financial reports received from various sources.\\n\\tAdvanced knowledge of management techniques to enhance staff productivity and to maintain positive staff morale.\\n\\tAdvanced knowledge of the credit union&#39;s in-house computer system and internet.\\n\\tAdvanced knowledge of ITMs / ATMs, ACH operations, debit and credit card processing, payment networks, wire operations, digital payments, fraud prevention, and payment regulations.\\n\\n\\n&nbsp;\\n\\nJob Qualifications (Skills):\\n\\n\\n\\tBHFCU is committed to working with its employees to reasonably accommodate them with the physical aspects of the position.&nbsp; The following list outlines the physical considerations that are normally encountered in this job.\\n\\tVision: A sighted person to review direct reports&#39; work.\\n\\tSpeech/Hearing: Ability to communicate verbally and in writing with staff, members, and vendors.\\n\\tManual Dexterity: Ability to perform necessary computer related input.\\n\\tPhysical Mobility: Limited mobility required.&nbsp; Requires the ability to work flexible hours.\\n\\n\\n&nbsp;\\n\\nJob Qualifications (Ability):\\n\\n\\n\\tAbility to understand and follow complex written and oral instructions and disseminate that knowledge in a clear and understandable format to others.\\n\\tThe ability to effectively communicate with all levels of the organization and to outside parties even when under extreme pressure. \\n\\tThe ability to communicate new ideas, products, and procedures and gain buy-in from stakeholders. \\n\\tAbility to prepare and maintain confidential records and reports. \\n\\tAbility to produce a high volume of work in a timely manner that is accurate and of high quality, prioritize work, and handle multiple tasks.\\n\\tAbility to analyze out of balance situations, statistics and financial data, gather, assemble, correlate, and interpret facts and develop solutions.\\n\\tAbility to work within established guidelines with latitude to make decisions and take initiative to resolve problems or unique circumstances.\\n\\tAbility to use a rational and organized approach to completing tasks.\\n\\tAbility to analyze and recommend improvements to current processes, products, procedures, and services.\\n\\n\\n&nbsp;\\n\\nJob Qualifications (Education/Experience):\\n\\nEducation: \\n\\n\\n\\tJob prefers a bachelor&rsquo;s degree in business, Finance, Accounting, Operations, or related field preferred.\\n\\tEquivalent combination of education and experience may be considered.\\n\\n\\n&nbsp;\\n\\nExperience: \\n\\n\\n\\tFive to eight years experience in progressive experience in payments, card services, electronic banking, or financial operations. \\n\\tMinimum 3 years of leadership or supervisory experience preferred.\\n\\tExperience working with card processors Velera (PSCU/COOP) or Fiserv (DNA) strongly preferred.\\n\\n\\n&nbsp;\\n\\nPreferred Certifications:\\n\\n\\n\\tAccredited ACH Professional (AAP)\\n\\tCertified Payments Professional (CPP)\\n\\tCertified Anti-Money Laundering Specialist (CAMS)\\n\\tPayments Risk Professional Certification\\n\\n\\n&nbsp;\\n\\nWorking Conditions:\\n\\nMaterial and Equipment Involved \\n\\n\\n\\tPersonal Computer\\n\\tPresentation Aids\\n\\tSignature Pads\\n\\tWebEx\\n\\tTablet and Mobile Devices\\n\\tPA Sound System\\n\\tVideo Recording Devices\\n\\tScanners\\n\\tProjectors and Screens\\n\\tMicrosoft Suite\\n\\tPhotocopy Machine\\n\\tVarious Software Applications\\n\\tSalesforce\\n\\n\\n&nbsp;\\n\\nWork Environment/Physical Activities\\n\\nOccasional travel to one of BHFCU&rsquo;s branch locations, attendance at community events, vendor meetings, and conferences may be required.\\n\\n&nbsp;\\n\\nPhysical Requirements\\n\\nPerform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work extended hours whenever required or requested by management. Must by capable of regular, reliable and timely attendance.\\n\\n&nbsp;\\n\\nWorking Conditions\\n\\nMust be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.\\n\\n&nbsp;\\n\\nMental and/or Emotional Requirements\\n\\nMust be able to perform job functions with supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on confidential matters.\\n\\n&nbsp;\\n\\nNotice:&nbsp; This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment.&nbsp; Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods.&nbsp; This position is also subject to all the personnel policies of Black Hills Federal Credit Union.&nbsp; Changes may be made to this job description at any time by the President.&nbsp; Black Hills Federal Credit Union is an equal opportunity employer.\\n\\n&nbsp;\\n\\nBlack Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.\\nQualifications\",\"responsibilities\":\"Who We Are\\n\\nWe have the fundamental belief that we, as an organization, can and will improve lives. Rooted in the centuries-old credit union philosophy of people helping people, we maintain a simple premise. Those we interact with will receive equal and just treatment, devoid of intolerance, false judgment, racism, or discrimination of any kind. We must not accept less if we are to fulfill our mission, &quot;We Improve Lives.&quot; This mission empowers us to serve the greater good and to make a difference in our world. Our cooperative structure creates a cycle of mutual assistance towards the common goal of the financial well-being of members.\\n\\nAt Black Hills Federal Credit Union (BHFCU), we&rsquo;re committed to improving the lives of our members every day, and we look for people who share that passion. Don&rsquo;t have a ton of financial industry experience? No problem. Our onboarding includes an orientation program with ongoing training to help staff further their career at BHFCU by building on their existing strengths.\\n\\n&nbsp;\\n\\nGeneral Purpose: The Payments Operations Manager is responsible for the operational management, compliance oversight, and continuous improvement of all payment services and card payment functions. This role oversees payment systems, debit and credit card programs, ACH operations, wire transfers, dispute resolution, fraud mitigation, and payment-related vendor relationships.\\n\\nThe Payments Operations Manager ensures secure, efficient, compliant, and member-focused payment experience while driving operational excellence, innovation, risk management, and revenue growth across all payment channels.\\n\\n&nbsp;\\n\\nEssential Duties/Responsibilities:\\n\\n\\n\\tLead and manage all payment operations and money movement services across the credit union.\\n\\tDevelop and execute payment strategies aligned with organizational goals and member experience initiatives.\\n\\tEnsure accurate, timely, and compliant processing of all payment transactions.\\n\\tOversee payment workflows, operational controls, service levels, and process optimization.\\n\\tMonitor payment trends, emerging technologies, and industry developments to recommend enhancements and innovations.\\n\\tManage all Automated Clearing House (ACH) processing activities to include, ACH origination, ACH receipt processing, returns and notifications of change, same-day ACH, ACH fraud monitoring, and ACH exception processing.\\n\\tMaintain ACH exposure limits and risk controls.\\n\\tOversee domestic and international wire transfer operations.\\n\\tManage wire verification procedures and dual-control processes.\\n\\tMonitor wire activity for suspicious transactions and operational risk.\\n\\tManage all debit card program operations including, card issuance, instant issue programs, card maintenance, PIN management, card fulfillment, card controls, and card reissue programs.\\n\\tOversee debit card transaction processing and settlement.\\n\\tMonitor debit card fraud trends and mitigation strategies to identify process improvement opportunities.\\n\\tManage credit and debit card disputes, fraud claims, and chargeback processes.\\n\\tManage consumer and business credit card operational functions including card service, balance transfer programs, transaction monitoring, delinquency coordination, card maintenance, and portfolio support.\\n\\tSupport credit card product development and promotional campaigns.\\n\\tSupport digital payment solutions including digital wallets, P2P payments, real-time payments, mobile payment services, account-to-account transfers, and external transfer platforms.\\n\\tSupport integration and optimization of Apple Pay, Google Pay, Samsung Wallet, and Zelle.\\n\\tOversee ATM and ITM transaction settlement and balancing.\\n\\tManage network relationships related to ATM processing, shared branching settlement, and card network connectivity.\\n\\tMonitor ATM cash exceptions, disputes, and transaction reconciliation.\\n\\tEnsure strong internal controls, dual-control procedures, and segregation of duties.\\n\\tPartner with compliance and security teams on risk assessments and audits.\\n\\tManage relationships with payment processors, card vendors, fraud partners, and network providers.\\n\\tParticipate in contract negotiations, service reviews, and vendor performance management.\\n\\tEnsure vendors meet service-level agreements and compliance expectations.\\n\\tEnsure compliance with all applicable regulations and card/payment network requirements including BSA/AML, OFAC, fraud protection protocols, PCI-DSS, Regulation E, UDAAP, and Nacha operating rules.\\n\\tCoordinate internal and external audits related to payments and card services.\\n\\tMaintain documented procedures, controls, and operational policies.\\n\\tLead, coach, and develop payment operations staff.\\n\\tEstablish department goals, performance standards, and service expectations.\\n\\tPromote a culture of accountability, collaboration, innovation, and member service excellence.\\n\\tConduct performance evaluations and support employee development planning.\\n\\n\\n&nbsp;\\n\\nOther Duties/Responsibilities:\\n\\n\\n\\tResponsible for developing and maintaining department manuals.\\n\\tResponsible for the development of department budget consistent with the strategic plan and overall budget. \\n\\tPrepare standardized reports as directed by VP Payments. \\n\\tResponsible for ensuring an adequate supply of all operating materials used by assigned employees is available.\\n\\tPerform other duties as may be assigned by the VP Payments or Chief Experience Officer.\\n\\n\\n&nbsp;\\n\\nJob Knowledge:\\n\\n\\n\\tAdvanced knowledge of the fundamentals of the financial industry, including but not limited to, the operation and delivery of financial services.\\n\\tAdvanced knowledge of laws and regulations [e.g. PCI-DSS, Regulation E, BSA/AML, OFAC, and Nacha rules] affecting credit union operations, products, and services.\\n\\tAdvanced knowledge about the organization&#39;s policies/procedures and credit union&#39;s service philosophy.\\n\\tMust be able to read and interpret financial reports received from various sources.\\n\\tAdvanced knowledge of management techniques to enhance staff productivity and to maintain positive staff morale.\\n\\tAdvanced knowledge of the credit union&#39;s in-house computer system and internet.\\n\\tAdvanced knowledge of ITMs / ATMs, ACH operations, debit and credit card processing, payment networks, wire operations, digital payments, fraud prevention, and payment regulations.\\n\\n\\n&nbsp;\\n\\nJob Qualifications (Skills):\\n\\n\\n\\tBHFCU is committed to working with its employees to reasonably accommodate them with the physical aspects of the position.&nbsp; The following list outlines the physical considerations that are normally encountered in this job.\\n\\tVision: A sighted person to review direct reports&#39; work.\\n\\tSpeech/Hearing: Ability to communicate verbally and in writing with staff, members, and vendors.\\n\\tManual Dexterity: Ability to perform necessary computer related input.\\n\\tPhysical Mobility: Limited mobility required.&nbsp; Requires the ability to work flexible hours.\\n\\n\\n&nbsp;\\n\\nJob Qualifications (Ability):\\n\\n\\n\\tAbility to understand and follow complex written and oral instructions and disseminate that knowledge in a clear and understandable format to others.\\n\\tThe ability to effectively communicate with all levels of the organization and to outside parties even when under extreme pressure. \\n\\tThe ability to communicate new ideas, products, and procedures and gain buy-in from stakeholders. \\n\\tAbility to prepare and maintain confidential records and reports. \\n\\tAbility to produce a high volume of work in a timely manner that is accurate and of high quality, prioritize work, and handle multiple tasks.\\n\\tAbility to analyze out of balance situations, statistics and financial data, gather, assemble, correlate, and interpret facts and develop solutions.\\n\\tAbility to work within established guidelines with latitude to make decisions and take initiative to resolve problems or unique circumstances.\\n\\tAbility to use a rational and organized approach to completing tasks.\\n\\tAbility to analyze and recommend improvements to current processes, products, procedures, and services.\\n\\n\\n&nbsp;\\n\\nJob Qualifications (Education/Experience):\\n\\nEducation: \\n\\n\\n\\tJob prefers a bachelor&rsquo;s degree in business, Finance, Accounting, Operations, or related field preferred.\\n\\tEquivalent combination of education and experience may be considered.\\n\\n\\n&nbsp;\\n\\nExperience: \\n\\n\\n\\tFive to eight years experience in progressive experience in payments, card services, electronic banking, or financial operations. \\n\\tMinimum 3 years of leadership or supervisory experience preferred.\\n\\tExperience working with card processors Velera (PSCU/COOP) or Fiserv (DNA) strongly preferred.\\n\\n\\n&nbsp;\\n\\nPreferred Certifications:\\n\\n\\n\\tAccredited ACH Professional (AAP)\\n\\tCertified Payments Professional (CPP)\\n\\tCertified Anti-Money Laundering Specialist (CAMS)\\n\\tPayments Risk Professional Certification\\n\\n\\n&nbsp;\\n\\nWorking Conditions:\\n\\nMaterial and Equipment Involved \\n\\n\\n\\tPersonal Computer\\n\\tPresentation Aids\\n\\tSignature Pads\\n\\tWebEx\\n\\tTablet and Mobile Devices\\n\\tPA Sound System\\n\\tVideo Recording Devices\\n\\tScanners\\n\\tProjectors and Screens\\n\\tMicrosoft Suite\\n\\tPhotocopy Machine\\n\\tVarious Software Applications\\n\\tSalesforce\\n\\n\\n&nbsp;\\n\\nWork Environment/Physical Activities\\n\\nOccasional travel to one of BHFCU&rsquo;s branch locations, attendance at community events, vendor meetings, and conferences may be required.\\n\\n&nbsp;\\n\\nPhysical Requirements\\n\\nPerform primarily sedentary work with limited physical exertion and occasional lifting of up to 5 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day. Must be able to work extended hours whenever required or requested by management. Must by capable of regular, reliable and timely attendance.\\n\\n&nbsp;\\n\\nWorking Conditions\\n\\nMust be able to routinely perform work indoors in climate-controlled shared work area with moderate noise.\\n\\n&nbsp;\\n\\nMental and/or Emotional Requirements\\n\\nMust be able to perform job functions with supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on confidential matters.\\n\\n&nbsp;\\n\\nNotice:&nbsp; This job description is not intended to be, nor should it be construed as, a contract or guarantee of employment.&nbsp; Black Hills Federal Credit Union adheres to all federal and state labor laws regarding termination and probationary periods.&nbsp; This position is also subject to all the personnel policies of Black Hills Federal Credit Union.&nbsp; Changes may be made to this job description at any time by the President.&nbsp; Black Hills Federal Credit Union is an equal opportunity employer.\\n\\n&nbsp;\\n\\nBlack Hills Federal Credit Union is an equal opportunity employer. All applicants will receive consideration without regard to age, race, color, sex, sexual orientation, genetic information, religion, national origin, disability, veteran status, or any other status or condition protected by state or federal law. BHFCU will provide reasonable accommodation to qualified persons with a disability but who are otherwise able to perform the essential functions of the job.\\n\",\"employmentType\":\"OTHER\",\"hiringOrganization\":{\"@type\":\"Organization\",\"name\":\"BLACK HILLS FEDERAL CREDIT UNION\",\"logo\":\"https://www.paycomonline.net/v4/ats/web.php/application/style/logo?clientkey=08C489536736DC74D2C102147A2A4AA5\"},\"jobLocation\":{\"@type\":\"Place\",\"address\":{\"streetAddress\":\"2700 N Plaza Dr\",\"addressLocality\":\"Rapid City\",\"addressRegion\":\"SD\",\"postalCode\":57702,\"addressCountry\":\"USA\"}},\"industry\":\"Management\",\"validThrough\":\"-0001-11-30\"}",
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