Payment Operations - Checking Operations Specialist

Golden 1 Credit Union•Sacramento, CA

9d•Hybrid

About The Position

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values. You are a detail-oriented and service-focused operations professional with strong expertise in ACH, checking, and payment operations. You excel at balancing accuracy, compliance, and member service while resolving complex issues, identifying potential risks, and supporting daily operational workflows. You are a collaborative team member who enjoys training others, sharing knowledge, and stepping in where needed to maintain service levels, meet deadlines, and ensure operational excellence.

Requirements

H.S. Diploma or General Education Degree (GED) required
2+ years experience with cash management or financial industry required
2+ years experience with customer service required

Nice To Haves

Previous experience in item processing or related financial roles preferred

Responsibilities

Monitor and assess checking accounts with overdrafts, executing closure procedures for accounts that remain overdrawn beyond acceptable timeframes in adherence to credit union policies.
Promptly and accurately respond to internal and external member requests for account information, adjustments, or research, collaborating with relevant departments to gather necessary details and ensure timely resolution.
Investigate and resolve member concerns, disputes, and inquiries related to checking accounts, maintaining professionalism and efficiency in interactions with members, staff, third-party vendors, and other departments.
Assist seniors and supervisors in department-level initiatives, including projects, service packs, remediations, and items requiring special handling, ensuring successful completion of critical tasks.
Provide comprehensive support across the department, undertaking additional tasks and responsibilities as assigned to maintain seamless daily operations and efficient workflow.
Exercise sound judgment in identifying potential system integrity or member-related issues, escalating promptly to management and ensuring timely communication for swift resolution.
Ensure compliance with all relevant regulations and credit union policies, staying informed about industry updates and participating in training programs to maintain expertise in compliance requirements.
Prepare and generate production reports related to checking operations, as well as oversee the processing of foreign checks.
Collaborate with the Accounting department to research and reconcile discrepancies in assigned general ledger accounts, ensuring accuracy and timeliness.
Assist supervisors and leadership in updating and refining departmental procedures, contributing to improved accuracy and operational efficiency.
Deliver exemplary service to members, branches, and department staff, providing courteous and efficient support and managing tier 2 escalations as needed.
Conduct training sessions to enhance team understanding of checking operations procedures, compliance standards, and best practices, fostering a culture of continuous improvement.