Employment Opportunities

GENERAL SUMMARY

The Business Relationship Manager is responsible for cultivation of leads specific to developing new business opportunities for the credit union. This position is accountable for acquiring new profitable member relationships (business and consumer), resulting in core deposit growth and quality lending opportunities. Additionally, this position will be accountable to support the growth of the Credit Union’s CUSO business entities. In alignment with the Credit Union’s strategic goals, this position will formulate plans and produce results consistent with management expectations. The candidate will attend and participate various events in the community, to network with local businesses and create favorable brand awareness of the credit union.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Build, develop and maintain successful member relationships including interaction with businesses at all levels to ensure the credit union’s presence and recognition within the community in which it operates.
• Work independently to develop and solicit new business from present and prospective members to increase revenue base and overall profitability.

• Serve as the primary sales contact for new and existing business banking relationships and maintain open and ongoing communication to improve wallet share.
• Partner and collaborate with all business lines within the Credit Union to assist with local business development efforts as well as gain their support to assist with business development activities.
• Contribute to the profitability and growth of the Credit Union by building, developing, and managing new and existing business member relationships.
• Analyzes potential members’ banking needs, earnings, and financial conditions to recommend appropriate banking solutions.

• Showcase the newest promotions and marketing initiatives that the Credit Union offers.
• Develop and maintain a network of referral sources to generate leads for additional business banking relationship opportunities.
• Onboard new banking relationships to maximize member usage of all products and services available – including digital banking services.
• Participate in a variety of marketing initiatives to support the Credit Unions strategic initiative goals.
• Research and develop new sales leads for the purpose of member acquisition for business accounts, commercial and lending referrals, and deposit account (Business & Consumer) referrals.
• Maintain membership and actively participate in industry and trade organizations.  Participate in community and business functions/groups to enhance the overall image of the Credit union and to promote the credit union while driving new member and business leads into the credit union.
• Prepare a wide variety of reports and management information on activities and ensure that management is adequately informed of all member development activities and objectives.
• Adheres to proper regulatory compliance practices inherent in this position’s responsibilities by following departmental policies and procedures, completing compliance training as assigned and questioning any areas of uncertainty regarding proper regulatory processes.

Note: The list of essential functions is not exhaustive. It may be supplemented as necessary from time to time.

In addition to growing business deposits, this position is responsible for generating additional lines of business including lending relationships and commercial insurance products through relationship-building techniques. This position will cross-sell other appropriate Inspire FCU products and services.

QUALIFICATIONS

• HS Diploma or equivalent required.
• Professional, well-developed communication skills necessary for servicing Credit Union members and projecting a positive image as a representative for Credit Union
• Working requires knowledge of all Credit Union products and services. These characteristics are normally acquired through completion of high school education plus at least one year of experience in a financial services institution.
• Minimum of two years’ business development/sales experience required.
• Requires the ability to network, develop qualified leads and relationships.
• Strategic mindset with ability to understand the direction, priorities, and goals of the organization.
• Demonstrated strong coaching and training skills.
• Valid driver’s license required for local travel to attend meetings and events, and to fulfill duties and responsibilities.
• Proven B2C sales or B2B, and consultative sales abilities.
• Must be organized, detail-oriented, self-motivated, and able to work independently.
• Ability to travel reliably to all Inspire branches, company-wide training events, and community events.

ENVIRONMENTAL/PHYSICAL CAPABILITIES

The physical demands and work environment described here represent those an employee must meet to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

This position is primarily based in a professional office setting and requires frequent use of standard office equipment such as computers, telephones, printers, and related technology tools. The role involves extended periods of sitting, frequent computer use, and occasional standing or walking to attend meetings or collaborate with other departments. The employee is required to stoop, kneel, crouch, crawl, reach, demonstrate manual dexterity and communicate verbally. The employee must occasionally lift and/or move items weighing up to twenty-five (25) pounds. Frequent travel to branch locations, training events, and vendor meetings may be required. The role may also require flexibility to work outside of standard business hours during system upgrades, vendor transitions, company trainings or events or to resolve critical service issues.

DISCLAIMER

The above information in this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not intended to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.   Job duties, like positions, change and evolve over time.  If the employee is unsure what is expected, he/she should meet with their manager. 

GENERAL SUMMARY

The ACH & Payments Manager provides overall leadership and oversight of the Credit Union’s ACH, wire transfer, electronic payment, and related deposit operations. This role ensures accurate and timely processing, strong internal controls, regulatory compliance, effective fraud and risk management, and exceptional service to members and internal teams. Reporting to the SVP/COO, the Manager leads payment operations staff, supports business payment services, strengthens procedures and cross-training, manages vendor and system relationships, and drives continuous improvement across payment functions.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Leadership & Department Oversight:

• Provide leadership, direction, and accountability for ACH, wire transfer, electronic payment, share draft, and related deposit operations.
• Establish department priorities, service standards, performance expectations, and workflow assignments to support accurate and timely processing.
• Lead, coach, and develop Payments & Operations Specialists through regular feedback, training, performance evaluations, development plans, and cross-training.

ACH, Wire & Payment Operations:

• Oversee incoming and outgoing ACH files, ACH origination, returns, exceptions, Notifications of Change, unauthorized ACH activity, stop payment requests, settlement, reconciliation, and daily balancing.
• Oversee domestic and international wire transfer operations, including initiation, verification, callbacks, approvals, documentation, security controls, exception management, and resolution of wire-related issues.
• Ensure payment reconciliations, settlement accounts, logs, reports, and supporting records are completed accurately and within required timeframes.
• Review and approve payment service requests, agreement changes, limit changes, and elevated-risk transactions within assigned authority.
• Serve as the primary escalation point for complex payment processing issues, exceptions, fraud concerns, and operational discrepancies.

Member Service:

• Ensure ACH, wire, electronic payment, and related deposit services are delivered accurately, promptly, and in a manner consistent with Inspire FCU’s member-first service standards.
• Research and resolve escalated member inquiries, payment exceptions, returned transactions, and service issues with clear communication and appropriate follow-through.
• Serve as a primary support resource for Branches, Member Service, Business Development, and internal teams regarding payment products, procedures, limits, documentation, and issue resolution.

• Partner with frontline teams to provide payment-service guidance, member education, and training that support consistent and confident service delivery.
• Identify recurring member concerns and service gaps, recommend improvements, and help implement solutions that strengthen the overall member experience.

Compliance & Risk Management:

• Ensure ACH and payment activities comply with current NACHA Rules, Regulation E, OFAC requirements, BSA/AML expectations, applicable laws and regulations, and Credit Union policies and procedures.
• Monitor payment activity for unusual patterns, red flags, or potential fraud; escalate concerns and coordinate with Compliance, BSA, Accounting, Information Technology, and senior management as appropriate.
• Coordinate ACH risk assessments, annual ACH audits, internal reviews, examination requests, corrective actions, and payment-related compliance training.
• Develop, maintain, and regularly update payment policies, procedures, control documentation, training resources, and business continuity plans.

Fraud Prevention & Response:

• Oversee fraud prevention controls for ACH, wires, and other payment services, including transaction review, verification procedures, approval controls, and exception monitoring.
• Investigate suspected payment fraud and coordinate the response with Compliance, BSA, Information Technology, frontline teams, and external partners as appropriate.
• Promptly escalate significant fraud concerns, document findings and actions taken, and support recovery efforts and required reporting in accordance with Credit Union procedures.
• Review fraud trends, incidents, and control gaps; recommend procedural changes and staff training to help prevent recurrence.

Business Services & Cross-Functional Support:

• Administer the ACH origination program for approved business members, including due diligence, agreements, risk reviews, exposure and transaction limits, annual reviews, return-rate monitoring, and documentation maintenance.
• Partner with Business Development and internal teams to onboard and support business members using ACH origination, wire services, Remote Deposit Capture, Business Online Banking, and other payment solutions.

Vendor Management & Continuous Improvement:

• Manage relationships with payment processors, financial institution partners, core providers, fraud platforms, and other third-party service providers.
• Lead testing and implementation of payment system enhancements, vendor transitions, new products, regulatory changes, and operational improvement initiatives.
• Analyze payment volumes, returns, exceptions, fraud trends, service levels, operational losses, and other performance measures; provide reports and recommendations to the SVP/COO.
• Identify and implement opportunities to improve efficiency, strengthen controls, reduce risk, enhance the member experience, and support responsible growth in business payment services.

Note: The list of essential functions is not exhaustive. It may be supplemented as necessary from time to time.

QUALIFICATIONS

• High School Diploma or equivalent required
• Three plus years of experience in ACH, payment operations, or deposit operations within a financial institution.
• Minimum of two years of supervisory or leadership experience preferred.

• Strong knowledge of ACH operations and NACHA Rules, wire transfer operations, Regulation E, OFAC requirements, BSA/AML expectations, payment fraud controls, and electronic payment systems.
• Experience supporting ACH origination, business payment services, Remote Deposit Capture, and business digital banking preferred.
• Proven ability to lead and develop employees, manage competing priorities, and maintain accuracy in a deadline-driven environment.
• Strong analytical, problem-solving, organizational, written communication, and verbal communication skills.
• Ability to interpret operational data, identify risk or performance trends, and recommend practical improvements.
• Proficiency with Microsoft Office products, core banking systems, and payment platforms.
• Accredited ACH Professional (AAP) or Accredited Payments Risk Professional (APRP) designation preferred, or willingness to pursue approved payment-industry education.
• Employee bondability is required.
• Ability to travel reliably to all Inspire branches, company-wide training events, vendor meetings, and community events as needed.

ENVIRONMENTAL/PHYSICAL CAPABILITIES

The physical demands and work environment described here represent those an employee must meet to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.

This position is primarily based in a professional office setting and requires frequent use of standard office equipment such as computers, telephones, printers, and related technology tools. The role involves extended periods of sitting, frequent computer use, and occasional standing or walking to attend meetings or collaborate with other departments. The employee is required to stoop, kneel, crouch, crawl, reach, demonstrate manual dexterity, and communicate verbally. The employee must occasionally lift and/or move items weighing up to twenty-five (25) pounds. Travel to branch locations, training events, and vendor meetings may be required. The role may also require flexibility to work outside standard business hours during system upgrades, vendor transitions, company trainings or events, or to resolve critical payment or service issues.

DISCLAIMER

The above information in this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not intended to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job. Job duties, like positions, change and evolve over time. If the employee is unsure what is expected, the employee should meet with their manager.

GENERAL SUMMARY 

Member Relationship Specialist (MRS) will serve as the relationship builder and liaison between Inspire Federal Credit Union and members. MRS is responsible for professionally receiving and processing a variety of applications. This representative will perform maintenance and clerical duties related to new and existing accounts, including savings, checking and loans. The Member Relationship Specialist will take a consultative sales approach with members to identify needs and suggest credit union products and services that will benefit the member’s financial needs.  

ESSENTIAL FUNCTIONS 

• Represent the Credit Union to members in a courteous and professional manner and provide prompt, efficient, and accurate service, while building a trusting relationship with each member during every interaction.  

• Open new accounts including share, checking, share certificate, club as well as servicing new accounts.  

• Promote Credit Union products and services. 

• Become familiar with Credit Union products and services to properly educate members and answer questions members have, research, and resolve member inquiries, and assist members with account balancing.  

• Assist members with loan applications by gathering what may be needed to complete loan application. 

• Gather background information such as credit report, verification of employment, and recent pay stubs. 

• Meet with approved member(s) to acquire any needed information and/or signature(s) on loan document  tation. Check for accuracy on SmartCore system and on loan documentation.   

• Actively follow up with members via e-mail and/or telephone to ensure their needs have been satisfied. 

• Greet members upon entering the Credit Union and assist them in a timely and effective manner. 

• Onboard new member via e-mail and through follow-up phone calls to ensure their expectations are and will be met. 

• Performs routine member transactions. 

• Complete miscellaneous projects as required by management. 

• Cross-sell credit insurance on loans, while also assisting with loan payoff requests and account verification requests.   

Note: The list of essential functions is not exhaustive. It may be supplemented as necessary from time to time.  

QUALIFICATIONS 

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.  The requirements listed below are representative of the knowledge, skill and/or ability required.  

• Professional, well-developed communication skills necessary for servicing Credit Union members and projecting a positive image as a representative for Credit Union 

• Working requires knowledge of all Credit Union products and services. These characteristics are normally acquired through completion of high school education plus at least one year of experience in financial services institution.  

• Intermediate mathematical skill required (calculations and concepts involving decimals, percentages, fractions, etc.).  

• Must maintain a high level of professionalism. 

• Employee bondability is required.  

• Ability to travel reliably to all Inspire branches, company-wide training events, and community events.  

ENVIRONMENTAL/PHYSICAL CAPABILITIES 

The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.  

This position operates in a professional office environment within a credit union branch. The Member Relationship Specialist frequently interacts with members in person, requiring extended periods of standing at a teller station or service desk, often for multiple hours at a time. The role may also involve occasional walking, light lifting (up to 25 pounds), and repetitive motions such as typing or using office equipment. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. 

DISCLAIMER 

The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not intended to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.   Job duties, like positions, change and evolve over time.  If the employee is unsure what is expected, he/she should meet with their manager.