Checking Operations - Checking Operations Representative

About the Role

As a Checking Operations Representative at Golden 1 Credit Union, you play a crucial role in ensuring the seamless and efficient operation of checking accounts for our members, while supporting the organization’s vision, mission, and strategic goals. Your attention to detail, customer-centric mindset, and commitment to accuracy will contribute to the overall satisfaction and financial well-being of our members.

Responsibilities

• Identify, monitor, and assess checking accounts with overdrafts, taking appropriate actions to minimize financial risk and ensure timely resolution.
• Execute closure procedures for accounts that remain overdrawn beyond acceptable timeframes, strictly adhering to credit union policies and regulatory guidelines.
• Handle internal and external member requests for account information and research promptly, ensuring accuracy and professionalism in responses.
• Collaborate with relevant departments to gather required information for research requests and adjustment processing, ensuring timely and accurate resolution.
• Address and resolve member requests for adjustments and discrepancies, demonstrating exceptional attention to detail and ensuring member satisfaction.
• Investigate and resolve member concerns, disputes, and issues related to checking accounts efficiently and professionally, maintaining a focus on delivering excellent service.
• Organize, prioritize, and manage multiple tasks simultaneously while maintaining a high level of attention to detail and ensuring deadlines are met.
• Collaborate with the fraud prevention team to enhance security protocols, proactively identifying and mitigating risks related to fraudulent activities.
• Provide exceptional service to members via telephone, addressing inquiries and resolving issues with courtesy, professionalism, and efficiency.
• Ensure strict compliance with all relevant regulations, industry standards, and credit union policies pertaining to checking operations.
• Stay informed of industry updates and participate in ongoing training programs to maintain a thorough understanding of compliance requirements and best practices.
• Generate and analyze production reports related to checking operations, identifying trends and recommending improvements to optimize performance.
• Oversee and facilitate the accurate and efficient processing of foreign checks, ensuring compliance with operational guidelines and member expectations.
• Provide comprehensive support throughout the department, taking on additional tasks and responsibilities as assigned to maintain seamless daily operations and support team success.

Requirements

• Effective oral and written communication skills.
• Strong knowledge in Check Acceptance, Funds Availability, and Fraud detection.
• Critical thinking skills needed to identify possible fraudulent activity and member escalations or inquiries.
• Sufficient manual dexterity to skillfully operate an online computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine, and telephone.
• Prolonged sitting throughout the workday with occasional mobility required.
• Corrected vision and hearing within the normal range. A device to enhance hearing will be provided if needed.
• Occasional movements throughout the department daily to interact with staff and accomplish tasks.

Qualifications

• Successful completion of High School curriculum or GED required.
• 1+ years’ experience with cash management or financial industry.
• 1+ years’ experience with customer service.
• Previous experience in item processing or related financial roles is preferred.
• Strong attention to detail and accuracy in handling financial transactions.
• High level of awareness and vigilance in identifying potential fraudulent checks.
• Excellent communication skills to interact with internal business partners.
• Ability to multitask and manage time efficiently in a fast-paced environment.
• Demonstrated ability to work well in a team-oriented environment.
• Proficient computer skills and software experience.

Pay

$20.07 - $22.00 hourly

Organizational Relationships

• Internal: Branches, Contact Center, other departments.
• External: Members, other financial institutions, correspondent bank, and vendors.