Electronic Check Processing - ECP Operations Specialist

Mission Fed Credit Union • San Diego, CA

7d • Onsite

About The Position

The ECP Operations Specialist supports Mission Fed’s back-office deposit and loan servicing operations by processing financial transactions accurately, securely, and in compliance with regulatory requirements. The role handles high-volume deposits, loan payments, loan payoffs, and other transactions, while helping manage risk, maintain accurate records, and provide operational support to internal teams and members.

The specialist investigates discrepancies and exceptions, supports electronic check processing and specialized deposit activities, and collaborates with departments across the organization. This is an onsite position in San Diego, California, with compensation of $22.00–$27.00 per hour. The posting describes the role as part of an established Electronic Check Processing Team at a community- and member-focused credit union.

Requirements

• High school diploma or equivalent.
• At least 1 year of experience in a financial institution, preferably in deposit operations, check processing, loan servicing, account reconciliation, or a related operational environment.
• Experience processing financial transactions with a high degree of accuracy and attention to detail.
• Strong analytical and problem-solving skills, including the ability to identify issues, investigate discrepancies, and determine appropriate resolutions.
• Ability to work in a high-volume, deadline-driven environment where accuracy matters.
• Excellent verbal and written communication skills and a strong commitment to internal and member service.
• Strong organizational skills and ability to manage multiple priorities and adapt to changing business needs.
• Proficiency with Microsoft 365 applications and ability to learn multiple systems and platforms.
• Strong data-entry and 10-key skills.
• Ability to collaborate, continue learning, contribute to process improvement, and deliver high-quality work.

Nice To Haves

• Coursework in Accounting, Business Administration, Finance, or a related field.
• Working knowledge of banking regulations, transaction processing, or financial operations.
• Experience with Symitar, Lockbox software, item processing platforms, general ledger balancing, or similar financial systems.

Responsibilities

• Process and validate high volumes of deposits, loan payments, loan payoffs, and other financial transactions.
• Review transactions for negotiability, identify anomalies, apply regulatory holds, and support compliance with Regulation CC and BSA requirements.
• Investigate transaction discrepancies, resolve processing exceptions, perform account adjustments, and help maintain accurate financial records and reporting.
• Process incoming loan payoff checks and facilitate title releases.
• Manage legal garnishments and levies.
• Assist with specialized deposit processing activities.
• Collaborate with Branches, the Contact Center, Accounting, and other departments to answer questions, resolve issues, and provide operational support.
• Support daily electronic check processing activities and review mobile and ATM deposits.
• Process school district deposits and support reconciliation activities.
• Contribute to process improvement efforts and operational excellence.

Benefits

• 18 days of PTO in the first year.
• 12 holidays per year.
• 6% 401(k) match.
• Full benefits package, including medical, dental, vision, and life insurance.
• Personal concierge benefit through Overalls, 100% employer paid.
• A work environment recognized as a Top Workplace for five years, including 2026.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED