Electronic Check Processing - ECP Operations Specialist
About The Position
The ECP Operations Specialist supports Mission Federal Credit Union’s back-office deposit and loan servicing operations. The role processes and validates high volumes of deposits, loan payments, loan payoffs, and other financial transactions, ensuring accuracy, security, and compliance. It includes reviewing transactions for negotiability and anomalies, applying regulatory holds, investigating discrepancies, resolving exceptions, making account adjustments, and supporting accurate financial records and reporting. The specialist also processes incoming loan payoff checks, facilitates title releases, manages legal garnishments and levies, and assists with specialized deposit processing. The position supports daily electronic check processing, mobile and ATM deposit review, school district deposit processing, reconciliation activities, and process improvement. It collaborates with Branches, the Contact Center, Accounting, and other departments to answer questions, resolve issues, and provide operational support.
Requirements
- High school diploma or equivalent.
- Minimum of 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.
- Comfort working 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 the ability to manage multiple priorities and adapt to changing business needs.
- Proficiency with Microsoft 365 applications and the ability to learn multiple systems and platforms.
- Strong data entry and 10-key skills.
- Collaborative approach and interest in continuous learning, process improvement, and delivering 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 and anomalies, apply regulatory holds, and support compliance with Regulation CC and BSA requirements.
- Investigate transaction discrepancies, resolve processing exceptions, and perform account adjustments.
- Help ensure accurate financial records and reporting.
- Process incoming loan payoff checks and facilitate title releases.
- Manage legal garnishments and levies and assist with specialized deposit processing activities.
- Support daily electronic check processing activities and review mobile and ATM deposits.
- Process school district deposits and perform reconciliation activities.
- Collaborate with Branches, the Contact Center, Accounting, and other departments to answer questions, resolve issues, and provide operational support.
- Contribute to process improvement efforts.
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.
- Great work environment and team.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
