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Redwood Credit Union · 1 month ago

Electronic Services Specialist III

Napa, California

Full-time

Onsite

Senior Level

$29/hr - $39/hr

5+ years exp

Redwood Credit Union is seeking an Electronic Services Specialist III, who will provide technical expertise in administering payment and item processing. This senior level position is responsible for leading day-to-day functions for multiple areas of responsibility and providing direction, training, support, and mentorship to junior team members.

Finance

Growth Opportunities

No H1B

Responsibilities

Provide superior service that meets RCU Service Standards and Values to Members and team members of Redwood Credit Union

Responsible for at least two critical areas of payment or item processing for ACH, RCUpay, Bill Pay, Image Center system, Business online deposit, Lockbox, alternative payments, and MDC Risk

Research, recommend and implement new products and services

Research and resolve Member escalations, problems, or complaints. Respond with accurate information through verbal and/or written communication

Resolve errors, fraud or disputes relating to Check, ACH, RCUpay and Bill Pay processing

Provide analysis, guidance and direction for fraud detection, prevention, and recovery in multiple payment channels

Investigate Member fraud/dispute claims. Work with other institutions to recover and mitigate fraud losses on behalf of Members and the Credit Union

Work with IT to resolve system issues, outages, payment file issues and delays. Balance general ledgers and perform reconciliations

Coordinate and manage workflow for area

Manage and implement regulatory compliance for area of responsibility

Manage and direct payment and item processing channel improvements and growth

Support and answer the Electronic Services phone que

Project support and implementation

Create and maintain training manuals, knowledge base articles for team, Members, and other departments

Support lead in project testing and analysis to ensure delivery of quality Member experiences

Propose system changes and makes recommendations

Stay current and aware of industry and regulation changes impacting areas of expertise

Train branches and staff as needed in Electronic Services processes and procedures

Cross train in all Electronic Services areas to assist during vacation or illness

Compile monthly status report, general ledger reconciliations and board reports

Qualification

ACH processingBill Pay systemsFraud detectionRegulatory complianceFinancial services knowledgeData analysisCommunication skillsMathematical computationsInterpersonal skillsMentorshipProblem-solvingSelf-motivation

Required

Excellent analytical, critical thinking and process workflow skills

Ability to analyze data, trends, make recommendations and offer solutions

Ability to make sound judgments and decisions for areas of responsibility

Proficient knowledge of a PC with the use of word processing and spreadsheet software

Advanced knowledge of financial services, with the ability to understand the implications of Credit Union industry and regulations, terminology, and procedures and how to apply them

Expert knowledge and compliance regulations in ACH, Bill Pay & Payments, check image exchange and systems, OPA (courtesy pay) and MDC risk

Advanced processing experience and management in the following areas, ACH, Bill Pay and Payment systems

Advanced knowledge in Regulation CC, Uniform Commercial Code, and Regulation E

Ability to work successfully in a high volume, technically demanding job

Ability to work independently, is self-motivated and resourceful

Ability to oversee work processes and provide guidance and mentorship to junior team members

Ability to accurately calculate interest and dividends and make mathematical computations

Ability to troubleshoot a wide variety of member account discrepancies while being sensitive to Member issues, confidentiality, and discretion

Excellent communication and interpersonal skills both verbally and in writing

Ability to establish and maintain effective working relationships with a diverse group of people

Ability to work a rotating schedule which will include working on rotating Saturdays

The ideal candidate has a combination of education and experience equivalent to an associate degree, with a minimum of five years of experience in customer service, accounting, or closely related field

Prior experience at a financial institution is required

Preferred

Experience in item or payment processing functions

Benefits

Competitive medical, dental, and vision insurance, mental health offerings

Employee performance incentive plan

Salary Advancement– Merit increase based on performance

401(k) program with employer match

Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!

RCU employees are eligible for a .75% discount off RCU standard collateral auto loans

RCU employees are eligible for a 1% discount on all recreational or boat loan products

2% discount off Visas and LOC Loans through RCU

0% interest loan to support employees with various immigration related expenses such as visa application fees and relocation costs. Loan amount up to $1,000.

0% interest loan to support employees with expenses associated with the naturalization process. Loan amount up to $15,000.

0% interest on garment, fitness, or home office equipment loan of up to $500

100% financing for employee purchased homes!