Payments Product Specialist

Minimum Qualification: Knowledge, Skills and Abilities

• Knowledge of applicable laws, regulations, and network rules impacting payments, including, but not limited to Regulation E, Regulation Z, UDAAP, PCI DSS requirements, card network operating regulations, BSA, Patriot Act, and OFAC.
• Experience and ability to drive growth and usage of payments products and services.
• Excellent collaboration and communication skills, with the ability to work effectively across departments, with external partners, and the community.
• Ability to plan and deliver internal and external presentations.
• Excellent analytical, problem-solving, critical thinking, and decision-making skills, with the ability to evaluate alternatives and recommend solutions to complex business issues.
• Strong understanding of consumer and business payment products, card programs, and payment ecosystems.
• Experience analyzing portfolio data, transaction trends, and Member adoption metrics.
• Knowledge of debit, credit, digital wallets, real-time payments, and emerging payment technologies.
• Ability to interpret data and provide actionable recommendations to improve product performance.
• Ability to utilize AI to assist and enhance daily functions and production.
• Ability to prioritize multiple initiatives and meet deadlines.
• Knowledge of applicable consumer laws, regulations, and payment network requirements.
• Strong written and verbal communication skills, including the ability to influence decision-making and present findings and recommendations to leadership.
• Highly Member-focused and service-driven.
• Ability to establish and maintain effective working relationships with a diverse group of people in support of RCU's Mission, Vision, Values, Culture, and Service Standards.
• Ability to treat people with respect, keep commitments, inspire trust, work ethically and with integrity, uphold organizational values, accept responsibility for actions and be accountable.
• Proficient in Microsoft Office applications, reporting tools, and data analysis platforms.

Preferred Qualifications

• Experience directly supporting payment products, card portfolios, digital payment solutions, or payment operations within a financial institution.
• Experience working with payment systems, fintech partners, or payment-related vendors.
• Experience with data analytics, reporting, business case development, and product performance measurement.
• Experience with business development and/or sales of financial services.