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.
• Cross training with the Items department learning the Items Processing Operator role.
• 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 daily processing and member inquiries.

Performance Outcomes & KPIs

Qualifications

Education

• High school diploma or equivalent required.
• Associate or bachelor's degree preferred.

Experience

• Minimum one to two (1–2) years of similar or related experience in payments operations, banking operations, or a closely related field.
• Previous experience in ACH, wire transfer, or check processing strongly preferred.
• Prior credit union or community bank experience preferred.
• Prior experience using AI- or analytics-augmented operations tools preferred.
• Bilingual English / Spanish preferred.

Licenses, Registrations, and Certifications

• None required.

Knowledge & Skills

• Working knowledge of NACHA Operating Rules, Regulation E, Regulation CC, Regulation J, UCC Article 4A, BSA/AML, OFAC, and USA PATRIOT Act requirements as applied to electronic payments.
• Moderate computer and technology proficiency, including Microsoft Office (Excel, Outlook, Word, Teams) and the ability to learn CUTX's core, online banking, and payment processing platforms.
• Excellent customer service skills and a genuine desire to help others.
• Strong multitasking skills, attention to detail, and documentation discipline in a high-volume, deadline-driven environment.
• Strong written and verbal communication, including the ability to draft clear, accurate member-facing responses.
• Good judgment and discretion when handling confidential financial information.
• Ability to work effectively under pressure and remain focused through frequent interruptions.

7. Core Competencies

AI & Technology Expectations

AI-Augmented Workflows

The following workflows are AI-augmented in this role. The E-Payments Analyst is expected to work fluently within these workflows, exercise sound judgment over AI outputs, and follow all applicable controls.

• AI-assisted exception research — AI summarizes transaction history and surfaces likely root cause for returned items, rejects, and member inquiries.
• Document extraction and triage — AI extracts structured fields from RDC images, wire requests, and ACH return notices to support faster processing.
• AI-assisted drafting of internal and member communications — AI helps draft responses to inquiries, which the Analyst reviews and finalizes before sending.
• Anomaly and outlier flagging — AI flags transactions outside normal volume, amount, or counterparty patterns for Analyst review.

AI Tier and Human-in-the-Loop Responsibility

This role operates in AI Tier 2 for its principal AI-augmented workflows (see Appendix A). The E-Payments Analyst retains accountability for any decision, communication, or member/employee-impacting action influenced by AI output, consistent with the CUTX Generative AI Usage Policy §3.4.

The E-Payments Analyst is required to:

• Apply human-in-the-loop review on every AI-assisted exception finding, extracted document field, and drafted member or internal communication before action is taken.
• Stop reliance on AI output and escalate immediately if the output appears inaccurate, biased, non-compliant, or outside the role's documented scope (Generative AI Usage Policy §3.5).
• Refrain from entering member non-public personal information (NPI), confidential CUTX information, or material non-public information into any AI tool not explicitly approved for that data classification.
• Complete all required AI training within thirty (30) days of hire and maintain currency on annual refreshers.

Approved AI Tools

The role is approved to use the following AI tools in performing essential functions (subject to the Generative AI Usage Policy and any tool-specific guidance issued by the AI Council):

• CUTX-approved internal AI assistants (e.g., Sam) for general productivity and approved knowledge tasks.
• Microsoft Copilot for office productivity (drafting, summarization, spreadsheet support).
• CUTX-approved AI-augmented capabilities embedded in the core, online banking, and payment processing platforms.

Use of AI tools outside this list requires prior approval from the role's department leader and the AI Council, per the Generative AI Usage Policy §4.

Prohibited AI Use

In addition to the prohibited uses defined in the Generative AI Usage Policy §3.6, the following are specifically prohibited in this role:

• Using AI output as the sole basis for any adverse member action, including a decision to reverse a credit, hold funds, return an item, or close access to a payment channel.
• Entering member NPI (full account numbers, Social Security numbers, member identification documents, wire instructions) into any AI tool not explicitly approved for that data classification.
• Using consumer AI tools to draft regulatory notices (e.g., Reg E error resolution notices); these must be drafted from approved templates and reviewed per existing procedure.
• Using AI to make BSA/AML, OFAC, or fraud determinations without documented human review and escalation per policy.

Compliance & Regulatory Responsibilities

Enterprise Compliance Obligations

The E-Payments Analyst is responsible for all enterprise compliance obligations applicable to a CUTX team member, including BSA/AML, OFAC, USA PATRIOT Act/CIP/CDD, GLBA and the Safeguards Rule, Fair Lending laws (ECOA/Reg B, Fair Housing Act), UDAAP, Information Security and Acceptable Use, and the CUTX Code of Conduct.

AI-Specific Compliance Obligations

The E-Payments Analyst is responsible for the CUTX Generative AI Usage Policy (TRAIGA / HB 149-aligned), the CUTX AI Playbook (including Tier 2 obligations applicable to this role), and Texas Responsible Artificial Intelligence Governance Act (TRAIGA / HB 149) requirements applicable to the role.

Role-Specific Compliance Obligations

• NACHA Operating Rules and Guidelines applicable to ACH origination, receipt, returns, and exceptions.
• Regulation E (Electronic Fund Transfers) — error resolution, unauthorized transactions, and disclosures.
• Regulation CC (Availability of Funds and Collection of Checks) — funds availability, holds, and check processing.
• Regulation J — Fedwire funds transfer rules.
• Uniform Commercial Code Article 4A — wholesale funds transfers and wire transfer obligations.
• Bank Secrecy Act / Anti-Money Laundering (BSA/AML) requirements applicable to payments monitoring and reporting.
• Office of Foreign Assets Control (OFAC) sanctions screening obligations on payment transactions.
• USA PATRIOT Act provisions applicable to payments and member identification.
• CUTX E-Payments, Wire Transfer, ACH, and RDC policies and procedures.

Working Conditions & Physical Requirements

This role is performed on-site at the CUTX Corporate Office in a standard office environment with no hazardous or significantly unpleasant conditions. Essential physical activities include the ability to remain seated at a workstation for extended periods; use fingers, hands, and wrists for repetitive motions such as typing and handling documents; communicate clearly by phone, email, and in person with members, vendors, and internal partners; hear and engage in normal conversations; visually review printed and electronic documents for accuracy; and occasionally stand, walk, stoop, kneel, crouch, or lift and move up to 10 pounds. Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions of this role, consistent with the Americans with Disabilities Act and CUTX policy.

Compliance Requirement

The responsibilities contained within this job description remain compliant with the Bank Secrecy Act/Anti-Money Laundering, Office of Foreign Assets Control, and USA PATRIOT Act as they apply to the duties of the position.

Acknowledgement & Disclaimer

This job description is intended to describe the general nature and level of work being performed by individuals assigned to this position. It is not intended to be an exhaustive list of all responsibilities, duties, and skills required, and CUTX reserves the right to modify, add to, or remove duties at any time as business needs require.

Employment with CUTX is at-will. This job description does not constitute an employment contract.