Electronic Funds Transfer; EFT Clerk; Onsite

Join to apply for the Electronic Funds Transfer (EFT) Clerk (Onsite) role at Frontwave Credit Union

The Electronic Funds Transfer Clerk is responsible for performing various functions of ACH, Bank Wires, Check processing (Outgoing, Incoming, Clearing of On Us) and Home Banking (P2P & External transfers). The role upholds Frontwave Credit Union's core values and service expectations.

Frontwave Credit Union is a member‑owned, not‑for‑profit financial institution serving San Diego, Riverside, San Bernardino and Imperial counties. Founded in 1952, we have grown to 18 branches with 125,000 members and manage over 1.8 billion in assets.

At Frontwave Credit Union, we focus on creating consumer solutions to provide our members and communities with services that enhance the quality of life through exceptional service and progressive technology.

• Competitive pay, 401k matching, mortgage and auto discounts.
• 9‑27 days of PTO per year (based on tenure) and 10 paid holidays.
• Affordable medical, dental, vision health plans, and Flexible Spending Account.
• Employee Assistance Program.
• Career development, training, mentoring; tuition reimbursement up to $4,000/year.
• Culture of excellence and continuous improvement.

• Check Processing – (Fed Forward, Fed Receipt):
  Balance all outgoing checks/bonds to FED and process any exceptions.
• Review and process all incoming ON‑US items from FED.
• Review large ATM check deposits.
• Validate automated processing for ON‑US & RDC.
• Process Check Return file from FED including mailing letter with IRD to member.
• Process incoming and outgoing adjustments of checks and bonds through Fedline.
• Process and balance incoming and outgoing check adjustments for the CoOp/Share Branching Network.
• Review and process all Loan and Visa coupon payments and Bill Pay through Lockbox.
• Process Fraud Checks and Late Check Returns received.
• Process stale dated cashier checks.
• ACH Processing:
  Review, process & balance all ACH credit/debit exceptions; process ACH Stop Payments; process ACH returns; process online membership funding; review and submit ACH return files to FED.
• Bank Wires:
  Process outgoing and incoming wires in wire Xchange; act as second verifier for over‑the‑limit wires, Visa draw down, fraud review wires.
• Other EFT related functions:
  Balance EFT general ledgers; balance mobile deposits; review P2P return credit exceptions; review and process external Alkami transfers to FED; generate and upload ACH origination & loan pro files to FED; update and develop departmental desktop procedures; communicate with front and back office staff; participate in training; assist in any EFT audits; assist in training and mentoring; serve as back‑up to the team.

• High School Diploma or GED.
• Previous office experience is preferred but not required.
• Driven, hardworking, quick learner.
• Salary Range: $19.26 - $28.89.

• We see it. We own it. We get it done.
• We ignite positive experiences.
• We do things right every time.
• We are collaborators—united, cohesive, and engaged.
• We innovate and evolve.
• We create memorable experiences for life.
• We start with me.