Deposit Services Representative II

People's Credit Union•Middletown, RI

About The Position

This position is responsible for providing support to all areas of the organization regarding deposit related processes, in accordance with all regulations, policies, and procedures. This role requires advanced knowledge of departmental operations and will handle specialized functions included but not limited to the Overdraft Program, IRA Program, and/or the Core System administration. This position will also perform daily, weekly, and monthly operational tasks and will be responsible for contributing to the overall goals of the department and the Credit Union while working to uphold the Credit Union’s core values.

Requirements

High School diploma or equivalent
At least 2 to 5 years teller/clerical/bookkeeping experience
Excellent oral and written communication skills
Basic computer skills and working knowledge of Microsoft Office
Working knowledge of retail operational policies, procedures, and regulations

Responsibilities

Review all documentation for new and existing members and/or accounts to ensure the appropriate maintenance was performed and all supporting documents are obtained and correct
Identify areas of concern and work with the appropriate staff on what corrective measures need to be taken to resolve timely via contact events, escalating where necessary
Maintain and monitor all members for missing or outdated Customer Identification
Identify, research and suggest changes that can create efficiencies in the overall process
Review Automated Clearing House transactions (incoming and outgoing)
Respond to load errors, rejected items, and Stop Payments by required deadline
Review and approve items processed via mobile remote deposit capture
Daily processing of incoming and outgoing wires
Process daily transaction requests from Finance
Conduct all research on member deposit accounts and profiles as requested, leading up to and through resolution
Properly handle returned mail, including statements, checks, and debit cards
Handle Legal Requests such as Subpoenas, Writs, Levies, B-notices, C-Notices,1042S, ETC.
Assist with the annual Escheatment process along with other end of year processes
Assist with ad hoc projects as directed by Management
Comply with internal audits and external examinations
Monitor daily activities within Deposit Services and recommend changes to current systems, practices, and procedures in order to create efficiencies and improvements
Assist all employees in identifying appropriate training opportunities to meet and exceed development plans including the recommendation of appropriate external and internal training as necessary for staff development
Attend training and seminars as requested by Supervisor and mandated by the Credit Union
Provide guidance and assist department with decision making and approvals when necessary
Assist with the onboarding and cross-training for new and existing Deposit Services employees
IRA Program: IRA Transactions, Reporting, Transfers, Compliance, etc.
Overdraft Privilege Service Program: Review of negative accounts, charge offs, recovery, and reporting
Core System Processing Employee Authorizations, Role Permissions, Core Ticketing processes, System updates and Enhancements
Maintain and update deposit related forms and disclosures as required by regulatory and procedural changes, Etc.
ATM Process and Balancing: Review and reconcile the ATM machines daily to system reports including processing any dropped transactions while working with the branches to resolve any balancing discrepancies
Debit Cards: Review and maintenance of ATM/Debit Card databases (i.e. change of address, limit increases, etc.

Benefits

Health and dental benefits through Blue Cross Blue Shield, plus vision benefits through VSP
401(k) and Roth plan with a competitive employer match
Robust Wellness Program
Employee Recognition Program
Fun, food, and events

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