Senior Deposit Servicing Representative

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Full Time Clerical College Walk, Honolulu, HI, US

2 days ago Requisition

Salary Range: $25.00 To $30.00 Hourly

The Senior Deposit Servicing Representative is responsible for performing advanced deposit servicing functions across a broad range of products and processes, including Share (Savings), Draft (Checking), Certificates, IRAs, Trust Accounts, exception management, regulatory and legal processing, and unclaimed property escheatment. This role supports members and internal business partners through multiple service channels, ensuring the timely, accurate, and compliant resolution of inquiries, transactions, and account servicing requests.

Monitors daily operational activities to mitigate risk, maintain regulatory compliance, and ensure adherence to credit union policies and procedures.

As a senior subject matter expert, the role serves as a primary escalation point for complex issues involving deposit servicing, exception processing, risk controls, regulatory requirements, and account maintenance. The position applies extensive knowledge of credit union systems, NCUA regulations, federal and state requirements, and operational best practices to resolve issues and support organizational objectives.

The Senior Deposit Servicing Representative also contributes to operational excellence by identifying process improvement opportunities, supporting change initiatives, and enhancing service quality and efficiency. Success in this role requires strong analytical and problem-solving skills, sound judgment, attention to detail, and the ability to adapt to evolving business needs, systems, and regulatory environments. Additionally, the senior may support training, coaching, and mentoring activities to strengthen team capabilities and serve as part of the development path toward a lead or supervisory position.

• Serve as the senior subject matter escalation point for complex member inquiries, multi-step servicing matters, and operational issues.
• Review and approve large-dollar checks (> $5,000) for pay/return decisions.
• Process chargebacks, returned items, and maintain exception reporting logs.
• Review ATM, ITM, and mobile deposits for accuracy; initiate member outreach for exceptions.
• Manage mobile deposit tiers and exception queues; monitor Early Federal Reserve return notifications.
• Apply Regulation CC holds using judgment based on item risk and member history.
• Identify and elevate suspicious or fraudulent items to Deposit Fraud and BSA teams.
• Ensure compliance with Regulation CC, Regulation E, NACHA, UCC, Hawaii levy rules, and internal policies.
• Resolve complex documentation discrepancies and provide subject matter guidance to the Member Solutions Center, branch teams, and other internal stakeholders.
• Process member death notifications, conduct estate handling, coordinate with executors and personal representatives, and apply NCUA share insurance, beneficiary, and payable-on-death rules.
• Coordinate cross-functionality with Payments, Risk, Compliance, Information Technology, and the Member Solutions Center on multi-touchpoint servicing matters that require integrated resolution.
• Support new product launches and system implementations by representing Deposit Servicing requirements during user acceptance testing and post-launch monitoring.
• Manage time-sensitive servicing matters that require interpretation of credit union policy, regulatory guidance, or legal documentation.

• Manage Overdraft and Courtesy Pay programs including Courtesy Pay Negative Charge-Off…