Checking Operations Representative

title: checking operations representative

status: non-exempt

reports to: checking operations supervisor

department: checking operations

job code: 11805

pay range: $20.07 - $22.00 hourly

as a checking operations representative at golden 1 credit union, you play a crucial role in ensuring the seamless and efficient operation of checking accounts for our members, while supporting the organization’s vision, mission, and strategic goals. Your attention to detail, customer-centric mindset, and commitment to accuracy will contribute to the overall satisfaction and financial well-being of our members.

• identify, monitor, and assess checking accounts with overdrafts, taking appropriate actions to minimize financial risk and ensure timely resolution.
• execute closure procedures for accounts that remain overdrawn beyond acceptable time frames, strictly adhering to credit union policies and regulatory guidelines.
• handle internal and external member requests for account information and research promptly, ensuring accuracy and professionalism in responses.
• collaborate with relevant departments to gather required information for research requests and adjustment processing, ensuring timely and accurate resolution.
• address and resolve member requests for adjustments and discrepancies, demonstrating exceptional attention to detail and ensuring member satisfaction.
• investigate and resolve member concerns, disputes, and issues related to checking accounts efficiently and professionally, maintaining a focus on delivering excellent service.
• organize, prioritize, and manage multiple tasks simultaneously while maintaining a high level of attention to detail and ensuring deadlines are met.
• collaborate with the fraud prevention team to enhance security protocols, proactively identifying and mitigating risks related to fraudulent activities.
• provide exceptional service to members via telephone, addressing inquiries and resolving issues with courtesy, professionalism, and efficiency.
• ensure strict compliance with all relevant regulations, industry standards, and credit union policies pertaining to checking operations.
• stay informed of industry updates and participate in ongoing training programs to maintain a thorough understanding of compliance requirements and best practices.
• generate and analyze production reports related to checking operations, identifying trends and recommending improvements to optimize performance.
• oversee and facilitate the accurate and efficient processing of foreign checks, ensuring compliance with operational guidelines and member expectations.
• provide comprehensive support throughout the department, taking on additional tasks and responsibilities as assigned to maintain seamless daily operations and support team success.

• effective oral and written communication skills required.
• strong knowledge in check acceptance, funds availability and fraud detection.
• critical thinking skills needed to identify possible fraudulent activity and member escalations or inquiries.
• must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine, and telephone.

• internal: branches, contact center, other departments
• external: members, other financial institutions, correspondent bank, and vendors

• education: successful completion of high school curriculum or ged required.
• experience: 1+ years’ experience with cash management or financial industry
• 1+ years’ experience with customer service
• previous experience in item processing or related financial roles is preferred.
• knowledge / skills: strong attention to detail and accuracy in handling financial transactions.
• high level of awareness and vigilance in identifying potential fraudulent checks.
• excellent communication skills to interact with internal business partners.
• ability to multitask and manage time efficiently in a fast-paced environment.
• demonstrated ability to work well in a team-oriented…