Treasury Operations Analyst
About The Position
Heritage Financial Credit Union is seeking a Treasury Operations Analyst to support critical payment, settlement, and cash management functions. This role offers the opportunity to work with key financial processes, strengthen operational controls, and contribute to the effective management of the credit union’s financial resources. Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive. We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed.
Requirements
- Bachelor's degree in Finance or Accounting; equivalent work experience considered.
- 3-5 years of experience in credit union or bank operations, treasury, or accounting, preferably involving balance sheet management, daily general ledger balancing, reconciliations, ACH, wire, or ATM settlement processes.
- Knowledge related to cash management and its important role to the Credit Union.
- Working knowledge of ACH, wire transfer, and ATM/card settlement processes.
- Familiarity with Federal Reserve clearing and settlement operations.
- Proficiency with core processing and reconciliation systems (e.g., Insight, Fiserv, Prologue, iDentifi, Client Central) or ability to learn proprietary systems quickly.
- Strong attention to detail and ability to identify and research balancing discrepancies.
- Strong organizational skills and ability to manage multiple daily deadlines.
- Ability to work independently while maintaining strong internal controls and documentation standards.
Responsibilities
- Perform daily reconciliation and balancing of core payment and clearing channels including ACH, ATM settlements, wire transfers, Zelle, and foreign currency activity.
- Ensure funds moving between the credit union, Federal Reserve, corporate credit union partners, and third-party payment networks are accurately recorded, reconciled, and documented.
- Support liquidity tracking, balance sheet management reporting, and review/release of accounts payable processing.
- Assist management with Balance Sheet management initiatives, including strategy implementation and reporting.
- Perform daily balancing of the ACH in-process account and research/resolve discrepancies.
- Complete Day 2 balancing of prior-day ATM, mobile, and merchant deposits, researching and correcting any out-of-balance conditions.
- Reconcile the corporate credit union account daily.
- Reconcile daily Zelle activity.
- Manage custody of daily, weekly, and monthly supporting documentation.
- Gather and review daily ATM settlement reports.
- Process wire transfers through corporate credit union partners.
- Process wire transfers to fund branch cash orders and credit union investments.
- Support daily cash positioning, bank reconciliations, cash allocations, and Treasury payments.
- Assist with short- and medium-term cash flow forecasting and liquidity monitoring.
- Support daily efforts to manage the Credit Union Balance Sheet to maximize return on CU assets and execute on Balance Sheet Strategy implementation.
- Review and approve the weekly Accounts Payable runs.
Benefits
- Paid Time Off & Paid Federal Holidays
- Medical, Dental, Vision & Life Insurance
- Employee Assistance Program
- Flexible Spending Accounts (FSA)/Health Savings Accounts (HSA)
- Supplement Benefits: Critical Illness Care, Identity Theft Protection, Pet Insurance, Legal Services
- BenefitsPlus+ perks program (travel, entertainment, gift cards and so much more)
- CareNet - benefits concierge service
- 401(k) with 5% Employer Match
- Educational Assistance
- Paid Time to Volunteer
- HFCU Logo-wear
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
